Photo: Shuvaev · CC BY-SA 4.0On FEMA’s figures, few U.S. towns expect less hazard damage per building than Kline Township, mostly from river and rain flooding
On FEMA’s National Risk Index, Kline Township gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns. Most of that expected damage is river and rain flooding (75%), then hurricanes (11%). FEMA’s files show no paid flood insurance claims here.
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 Kline 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
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 Kline Township’s grade
River and rain flooding is 75% of the building damage FEMA expects in Kline Township, and Kline Township’s rate of river and rain flooding damage is lower than 93% of U.S. census tracts. Next is hurricanes at 11% (higher than 69% of U.S. census tracts).
A+ among the lowest expected damage per building of U.S. towns (21,298).
All of Kline Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $305K a year in losses across Kline Township: $222K to buildings, the rest to people and crops.
Does Kline Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Kline Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Kline 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: Schuylkill County.The storms Kline Township remembers
None of the 20 disasters declared for Schuylkill County shows FEMA aid or repair money reaching Kline Township itself in FEMA’s records, so these are its biggest flood-claim years.
Schuylkill County has had 20 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.
Kline Township and its neighbors
Kline Township is 3rd of the 5 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 |
|---|---|---|---|
| Rush Township | A+among the lowest damage | river and rain flooding | 32 |
| Hazle Township | A+among the lowest damage | river and rain flooding | 5 |
| Kline Township | A+among the lowest damage | river and rain flooding | 0 |
| McAdoo | Aless damage than 92% | river and rain flooding | 10 |
| Banks Township | Aless damage than 86% | river and rain flooding | — |
| Delano Township | — | 205 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 Kline 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.
- 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 Kline Township
Is Kline Township at risk for natural disasters?
On FEMA’s National Risk Index, Kline Township has among the lowest expected damage per building of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (75%) and hurricanes (11%). 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.
Is Kline 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 Schuylkill County, 17% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.
How much is flood insurance in Kline Township?
FEMA’s Community Rating System list shows no discount for Kline Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Kline Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Kline Township’s rate for it is lower than 93% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Kline Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Kline 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.