Photo: User:Dincher · CC BY-SA 3.0More hazard damage per building is expected in Lawrence Township than in 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lawrence Township gets a C for hazard risk: higher expected damage per building than 66% of U.S. towns. Most of that expected damage is river and rain flooding (95%). Flood insurance has paid 5 claims here since 1982.
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 Lawrence 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 Lawrence Township’s grade
River and rain flooding is 95% of the building damage FEMA expects in Lawrence Township, and Lawrence Township’s rate of river and rain flooding damage is higher than 84% of U.S. census tracts.
C higher expected damage per building than 66% of U.S. towns (21,298).
All of Lawrence Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $518K a year in losses across Lawrence Township: $463K to buildings, the rest to people and crops.
Does Lawrence Township flood? Rarely: 5 flood claims since 1982
Every paid claim on a federal flood insurance policy in Lawrence Township, from FEMA’s records: 6.5 per 1,000 homes, more than 66% of the 13,809 U.S. towns with a flood insurance record.
Lawrence 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: Tioga County.The storms Lawrence Township remembers
None of the 16 disasters declared for Tioga County shows FEMA aid or repair money reaching Lawrence Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20112 flood claims paidThe year of Tropical Storm Lee, declared for Tioga County
- 19821 flood claims paidNo declaration for the county that year
- 19961 flood claims paidThe year of Severe Thunderstorms, High Winds,rain, Flooding, declared for Tioga County
Tioga County has had 16 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Lawrence Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lawrence Township archive →Lawrence Township and its neighbors
Lawrence Township is 3rd of the 3 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 |
|---|---|---|---|
| Lindley | C+more damage than 65% | river and rain flooding | 20 |
| Jackson Township | Cmore damage than 66% | river and rain flooding | — |
| Lawrence Township | Cmore damage than 66% | river and rain flooding | 5 |
| Lawrenceville | — | 707 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 Lawrence 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 Lawrence Township
Is Lawrence Township at risk for natural disasters?
On FEMA’s National Risk Index, Lawrence Township has higher expected damage per building than 66% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (95%). 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 Lawrence Township flood?
Flood insurance has paid 5 claims in Lawrence Township since 1982, $18K in all, or 6.5 per 1,000 homes, more than 66% of U.S. towns with a flood insurance record.
Is Lawrence 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 Tioga County, 22% of homes in mapped flood zones carry federal flood insurance, and 1.3% of all homes do.
How much is flood insurance in Lawrence Township?
FEMA’s Community Rating System list shows no discount for Lawrence Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Lawrence Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (95%), and Lawrence Township’s rate for it is higher than 84% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lawrence Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lawrence 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.