Photo: PennDOT · Public domainOn FEMA’s figures, Latimore 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, Latimore Township gets a B− for hazard risk: lower expected damage per building than 53% of U.S. towns, #726 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (82%). 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 Latimore 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 Latimore Township’s grade
River and rain flooding is 82% of the building damage FEMA expects in Latimore Township, and Latimore Township’s rate of river and rain flooding damage is higher than 65% of U.S. census tracts. Next is hurricanes at 10% (higher than 81% of U.S. census tracts).
B− #726 of 1,037 in Pennsylvania; lower expected damage per building than 53% of U.S. towns (21,298).
All of Latimore 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, Latimore Township has more expected damage per building than 70% of Pennsylvania towns.
In dollars, FEMA expects about $869K a year in losses across Latimore Township: $627K to buildings, the rest to people and crops.
Does Latimore Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Latimore Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Latimore 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: Adams County.The storms Latimore Township remembers
None of the 16 disasters declared for Adams County shows FEMA aid or repair money reaching Latimore Township itself in FEMA’s records, so these are its biggest flood-claim years.
Adams County has had 16 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Latimore Township and its neighbors
Latimore Township is 5th 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 |
|---|---|---|---|
| Franklin Township | Aless damage than 86% | river and rain flooding | 3 |
| Huntington Township | A−less damage than 84% | river and rain flooding | 8 |
| South Middleton Township | A−less damage than 82% | river and rain flooding | 26 |
| Washington Township | Bless damage than 63% | river and rain flooding | — |
| Latimore Township | B−less damage than 53% | river and rain flooding | 0 |
| Reading Township | B−less damage than 52% | river and rain flooding | 156 |
| Lake Meade | — | a Census area inside a town; graded with the town | |
| York Springs | — | 865 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 Latimore 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 Latimore Township
Is Latimore Township at risk for natural disasters?
On FEMA’s National Risk Index, Latimore Township has lower expected damage per building than 53% of U.S. towns: B− for hazard risk, #726 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (82%) and hurricanes (10%). 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 Latimore 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 Adams County, 25% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Latimore Township?
FEMA’s Community Rating System list shows no discount for Latimore Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Latimore Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Latimore Township’s rate for it is higher than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Latimore Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Latimore 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.