Photo: Smallbones · CC BY-SA 3.0On FEMA’s figures, Honey Brook Township faces less hazard damage per building than 94% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Honey Brook Township gets an A for hazard risk: lower expected damage per building than 94% of U.S. towns, #139 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (79%). Flood insurance has paid 1 claim here since 2003.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Honey Brook 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
Earthquakes
Hurricanes
Tornadoes
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.
What’s behind Honey Brook Township’s grade
River and rain flooding is 79% of the building damage FEMA expects in Honey Brook Township, and Honey Brook Township’s rate of river and rain flooding damage is lower than 79% of U.S. census tracts. Next is earthquakes at 7% (higher than 58% of U.S. census tracts).
A #139 of 1,037 in Pennsylvania; lower expected damage per building than 94% of U.S. towns (21,298).
All of Honey Brook Township’s residents live in one census tract; the figures are that tract’s.
The typical Pennsylvania town has lower expected damage than 71% of U.S. towns; within the state, Honey Brook Township has less expected damage per building than 87% of Pennsylvania towns.
In dollars, FEMA expects about $3.0M a year in losses across Honey Brook Township: $1.4M to buildings, the rest to people and crops.
Does Honey Brook Township flood? Rarely: 1 flood claim since 2003
Every paid claim on a federal flood insurance policy in Honey Brook Township, from FEMA’s records: 0.3 per 1,000 homes, fewer than 94% of the 13,809 U.S. towns with a flood insurance record.
Honey Brook 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: Chester County.The storms Honey Brook Township remembers
None of the 21 disasters declared for Chester County shows FEMA aid or repair money reaching Honey Brook Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20031 flood claims paidThe year of Tropical Storms Henri and Isabel and Related Severe Storms and Flooding, declared for Chester County
Chester County has had 21 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Honey Brook Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Honey Brook Township archive →Honey Brook Township and its neighbors
Honey Brook Township is 3rd of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| West Nantmeal Township | A+less damage than 96% | river and rain flooding | 1 |
| West Caln Township | A+less damage than 96% | river and rain flooding | 2 |
| Honey Brook Township | Aless damage than 94% | river and rain flooding | 1 |
| West Brandywine Township | Aless damage than 92% | river and rain flooding | 2 |
| Salisbury Township | Bless damage than 55% | river and rain flooding | 1 |
| Caernarvon Township | B−more damage than 51% | river and rain flooding | 7 |
| Caernarvon Township | — | not graded yet | |
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 Honey Brook 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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 Honey Brook Township
Is Honey Brook Township at risk for natural disasters?
On FEMA’s National Risk Index, Honey Brook Township has lower expected damage per building than 94% of U.S. towns: A for hazard risk, #139 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (79%) and earthquakes (7%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Honey Brook Township flood?
Flood insurance has paid 1 claim in Honey Brook Township since 2003, $20K in all, or 0.3 per 1,000 homes, fewer than 94% of U.S. towns with a flood insurance record.
Is Honey Brook 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 Chester County, 40% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Honey Brook Township?
FEMA’s Community Rating System list shows no discount for Honey Brook Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Honey Brook Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Honey Brook Township’s rate for it is lower than 79% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Honey Brook Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Honey Brook 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.