FEMA expects less hazard damage per building in Lake Township than in 94% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lake Township gets an A for hazard risk: lower expected damage per building than 94% of U.S. towns, #142 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (76%), then hurricanes (13%). 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 Lake 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
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 Lake Township’s grade
River and rain flooding is 76% of the building damage FEMA expects in Lake Township, and Lake Township’s rate of river and rain flooding damage is lower than 80% of U.S. census tracts. Next is hurricanes at 13% (higher than 78% of U.S. census tracts).
A #142 of 1,037 in Pennsylvania; lower expected damage per building than 94% of U.S. towns (21,298).
Lake Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Pennsylvania town has lower expected damage than 71% of U.S. towns; within the state, Lake Township has less expected damage per building than 86% of Pennsylvania towns.
In dollars, FEMA expects about $1.1M a year in losses across Lake Township: $819K to buildings, the rest to people and crops.
Does Lake Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lake Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lake 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: Wayne County.The storms Lake Township remembers
None of the 21 disasters declared for Wayne County shows FEMA aid or repair money reaching Lake Township itself in FEMA’s records, so these are its biggest flood-claim years.
Wayne County has had 21 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.
Lake Township and its neighbors
Lake Township has the lowest expected damage per building of the 6 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Lake Township | Aless damage than 94% | river and rain flooding | 0 |
| Salem Township | Aless damage than 92% | river and rain flooding | — |
| South Canaan Township | Aless damage than 92% | river and rain flooding | 9 |
| Jefferson Township | Aless damage than 88% | river and rain flooding | — |
| Paupack Township | Aless damage than 88% | river and rain flooding | 9 |
| Cherry Ridge Township | Bless damage than 58% | river and rain flooding | 1 |
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 Lake 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.
- 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 Lake Township
Is Lake Township at risk for natural disasters?
On FEMA’s National Risk Index, Lake Township has lower expected damage per building than 94% of U.S. towns: A for hazard risk, #142 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (76%) and hurricanes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Lake 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 Wayne County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Lake Township?
FEMA’s Community Rating System list shows no discount for Lake Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Lake Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Lake Township’s rate for it is lower than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lake Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lake 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.