On FEMA’s figures, Lamar Township faces more hazard damage per building than 74% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lamar Township gets a C for hazard risk: higher expected damage per building than 74% of U.S. towns, #931 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (94%). Flood insurance has paid 76 claims here since 1978.
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 Lamar 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 Lamar Township’s grade
River and rain flooding is 94% of the building damage FEMA expects in Lamar Township, and Lamar Township’s rate of river and rain flooding damage is higher than 87% of U.S. census tracts.
C #931 of 1,037 in Pennsylvania; higher expected damage per building than 74% of U.S. towns (21,298).
All of Lamar 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, Lamar Township has more expected damage per building than 90% of Pennsylvania towns.
In dollars, FEMA expects about $1.0M a year in losses across Lamar Township: $800K to buildings, the rest to people and crops.
Does Lamar Township flood? Sometimes: 76 flood claims since 1978
Every paid claim on a federal flood insurance policy in Lamar Township, from FEMA’s records: 70.4 per 1,000 homes, more than 95% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Ivan16 claims · $389K
Lamar 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: Clinton County.1 federal disaster brought FEMA money to Lamar Township
Disasters that paid out in Lamar Township itself (aid to households or repair grants to Lamar Township), newest first, with that year’s flood claims.
- 2004Tropical Depression Ivan13 households applied for aid$35K aid approved16 flood claims paid for it, $389K
Clinton County has had 12 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 Lamar Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lamar Township archive →Lamar Township and its neighbors
Lamar Township is 5th of the 7 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 |
|---|---|---|---|
| Castanea Township | B−less damage than 53% | river and rain flooding | — |
| Wayne Township | B−less damage than 53% | river and rain flooding | 33 |
| Greene Township | C+more damage than 60% | river and rain flooding | 62 |
| Porter Township | Cmore damage than 74% | river and rain flooding | 88 |
| Lamar Township | Cmore damage than 74% | river and rain flooding | 76 |
| Bald Eagle Township | C−more damage than 78% | river and rain flooding | 119 |
| Mill Hall | C−more damage than 78% | river and rain flooding | 124 |
| Logan Township | — | 754 residents; we grade 1,000+ | |
| Beech Creek Township | — | 900 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 Lamar 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 Lamar Township
Is Lamar Township at risk for natural disasters?
On FEMA’s National Risk Index, Lamar Township has higher expected damage per building than 74% of U.S. towns: C for hazard risk, #931 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (94%). 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 Lamar Township flood?
Flood insurance has paid 76 claims in Lamar Township since 1978, $892K in all, or 70.4 per 1,000 homes, more than 95% of U.S. towns with a flood insurance record. 12 properties have flooded more than once. The most claims came from Tropical Storm Ivan (16).
Is Lamar 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 Clinton County, 15% of homes in mapped flood zones carry federal flood insurance, and 2.2% of all homes do.
How much is flood insurance in Lamar Township?
FEMA’s Community Rating System list shows no discount for Lamar 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 Lamar Township?
By FEMA money that reached Lamar Township, Tropical Depression Ivan (2004): 13 households applied for aid, $35K approved. By flood claims, Tropical Storm Ivan: 16 paid, $389K.
Is Lamar Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Lamar Township’s rate for it is higher than 87% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lamar Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lamar 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.