Photo: User:Ruhrfisch · CC BY-SA 3.0Storms, floods and disasters in Gamble Township
Gamble Township isn’t graded for hazard risk: Gamble Township has 804 residents; we grade towns of 1,000 or more. Flood insurance has paid 14 claims here since 1988.
What Gamble Township faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does Gamble Township flood? Sometimes: 14 flood claims since 1988
Every paid claim on a federal flood insurance policy in Gamble Township, from FEMA’s records.
- Tropical Storm Lee5 claims · $412K
Gamble Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lycoming County.3 federal disasters brought FEMA money to Gamble Township
Disasters that paid out in Gamble Township itself (aid to households or repair grants to Gamble Township), newest first, with that year’s flood claims.
- 2016Severe Storms and Flooding$350K to Gamble Township for repairs2 flood claims paid that year
- 2011Tropical Storm Lee$82K to Gamble Township for repairs5 flood claims paid for it, $412K
- 2004Tropical Depression Ivan$30K to Gamble Township for repairs
Lycoming County has had 17 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Gamble Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Gamble Township archive →Gamble Township and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Eldred Township | C+more damage than 65% | river and rain flooding | — |
| Hepburn Township | Dmore damage than 87% | river and rain flooding | 225 |
| Plunketts Creek Township | — | 623 residents; we grade 1,000+ | |
| Lewis Township | — | 988 residents; we grade 1,000+ | |
| Cascade Township | — | 345 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Gamble Township faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Gamble Township
Does Gamble Township flood?
Flood insurance has paid 14 claims in Gamble Township since 1988, $613K in all. 2 properties have flooded more than once. The most claims came from Tropical Storm Lee (5).
Is Gamble Township in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Lycoming County, 16% of homes in mapped flood zones carry federal flood insurance, and 1.7% of all homes do.
How much is flood insurance in Gamble Township?
FEMA’s Community Rating System list shows no discount for Gamble Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Gamble Township?
By FEMA money that reached Gamble Township, Severe Storms and Flooding (2016): $350K to Gamble Township for repairs. By flood claims, Tropical Storm Lee: 5 paid, $412K.
Storm stories
Memories, warnings and help from neighbors in Gamble Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Gamble Township’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.