Photo: Nicholas · CC BY 2.0On FEMA’s figures, Horton Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Horton Township gets a B− for hazard risk: lower expected damage per building than 52% of U.S. towns. Most of that expected damage is river and rain flooding (93%). Flood insurance has paid 10 claims here since 1996.
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 Horton 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.
What’s behind Horton Township’s grade
River and rain flooding is 93% of the building damage FEMA expects in Horton Township, and Horton Township’s rate of river and rain flooding damage is higher than 73% of U.S. census tracts.
B− lower expected damage per building than 52% of U.S. towns (21,298).
All of Horton Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $573K a year in losses across Horton Township: $500K to buildings, the rest to people and crops.
Does Horton Township flood? Sometimes: 10 flood claims since 1996
Every paid claim on a federal flood insurance policy in Horton Township, from FEMA’s records: 14.9 per 1,000 homes, more than 80% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Ivan1 claim · $2K
Horton 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: Elk County.The storms Horton Township remembers
None of the 7 disasters declared for Elk County shows FEMA aid or repair money reaching Horton Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20147 flood claims paidNo declaration for the county that year
- 19961 flood claims paidThe year of Severe Storms and Flooding, declared for Elk County
- 20041 flood claims paidThe year of Tropical Depression Ivan, declared for Elk County
Elk County has had 7 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Horton Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Horton Township archive →Horton Township and its neighbors
Horton 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 |
|---|---|---|---|
| Sandy Township | A+less damage than 96% | river and rain flooding | 49 |
| Fox Township | B−less damage than 52% | river and rain flooding | 4 |
| Horton Township | B−less damage than 52% | river and rain flooding | 10 |
| Snyder Township | Cmore damage than 68% | river and rain flooding | — |
| Ridgway Township | Cmore damage than 72% | river and rain flooding | 14 |
| Huston Township | Cmore damage than 72% | river and rain flooding | 14 |
| Spring Creek Township | — | 191 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 Horton 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 Horton Township
Is Horton Township at risk for natural disasters?
On FEMA’s National Risk Index, Horton Township has lower expected damage per building than 52% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (93%). 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 Horton Township flood?
Flood insurance has paid 10 claims in Horton Township since 1996, $95K in all, or 14.9 per 1,000 homes, more than 80% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Tropical Storm Ivan (1).
Is Horton 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 Elk County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Horton Township?
FEMA’s Community Rating System list shows no discount for Horton 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 Horton Township?
By flood claims, Tropical Storm Ivan: 1 paid, $2K.
Is Horton Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Horton Township’s rate for it is higher than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Horton Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Horton 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.