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B−Hazard risk
Natural hazards in Lenox Township · FEMA

FEMA expects about as much hazard damage per building in Lenox Township as in the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Lenox Township gets a B− for hazard risk: lower expected damage per building than 54% of U.S. towns. Most of that expected damage is river and rain flooding (89%). Flood insurance has paid 3 claims here since 2018.

River and rain flooding 89%Hurricanes 5%Tornadoes 2%

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

less than 54%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B−
in Pennsylvania · lower than 54% of U.S. towns
Main hazard
River and rain flooding
89% of expected building damage
Flood claims
3
paid since 2018 · $86K
Flood claims per home
3 per 1,000
fewer than 51% of U.S. towns
By hazard

What Lenox 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

89%of expected building damage
Above average · higher than 69% of U.S. census tracts
Recorded about 2 times a year in the area

Hurricanes

5%of expected building damage
Above average · higher than 69% of U.S. census tracts
Smaller shares here
 Tornadoes Earthquakes Strong wind Ice storms Hail Wildfire Winter storms Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Lenox Township’s grade

River and rain flooding is 89% of the building damage FEMA expects in Lenox Township, and Lenox Township’s rate of river and rain flooding damage is higher than 69% of U.S. census tracts. Next is hurricanes at 5% (higher than 69% of U.S. census tracts).

Where Lenox Township sits
Lenox Township
Least damageMiddleMost damage

B− lower expected damage per building than 54% of U.S. towns (21,298).

All of Lenox Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding89%Hurricanes5%Everything else6%

In dollars, FEMA expects about $943K a year in losses across Lenox Township: $814K to buildings, the rest to people and crops.

Shared tract.All of Lenox Township’s 1,603 residents (2020 census) live in one census tract, which it shares with Clifford township (2,097 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Lenox Township flood? Rarely: 3 flood claims since 2018

Every paid claim on a federal flood insurance policy in Lenox Township, from FEMA’s records: 3.2 per 1,000 homes, fewer than 51% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2018: 2 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 1 claim2025: 0 claims2026: 0 claims20182024
20182026
Biggest named events
  • Hurricane Debby1 claim · $20K
3
paid claims since 2018
$86K
paid to owners
0
homes flooded more than once
$29K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Lenox 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: Susquehanna County.
Disasters

The storms Lenox Township remembers

None of the 20 disasters declared for Susquehanna County shows FEMA aid or repair money reaching Lenox Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20182 flood claims paidThe year of Severe Storms and Flooding, declared for Susquehanna County
  2. 20241 flood claims paidThe year of Tropical Storm Debby, declared for Susquehanna County
Disasters declared, by decade
Paid out in Lenox TownshipSusquehanna County only

Susquehanna County has had 20 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Lenox Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Lenox Township archive →
Next door

Lenox Township and its neighbors

Lenox Township is 4th of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Brooklyn Township: not gradedHarford Township: hazard risk B+Clifford Township: hazard risk B−Lathrop Township: not gradedBenton Township: hazard risk A−Nicholson Township: hazard risk C−Hop Bottom: not gradedBrooklyn TownshipHarford TownshipClifford TownshipLathrop TownshipBenton TownshipNicholson TownshipHop BottomLenox Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Benton TownshipA−less damage than 76%river and rain flooding52
Harford TownshipB+less damage than 71%river and rain flooding1
Clifford TownshipB−less damage than 54%river and rain flooding4
Lenox TownshipB−less damage than 54%river and rain flooding3
Nicholson TownshipC−more damage than 80%river and rain flooding39
Brooklyn Township—646 residents; we grade 1,000+
Lathrop Township—695 residents; we grade 1,000+
Hop Bottom—291 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.

Be ready

Get ready for what Lenox 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.

When the river rises
  • 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.
More from Ready.gov ↗
Hurricane season
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Lenox Township

Is Lenox Township at risk for natural disasters?

On FEMA’s National Risk Index, Lenox Township has lower expected damage per building than 54% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (89%) and hurricanes (5%). 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 Lenox Township flood?

Flood insurance has paid 3 claims in Lenox Township since 2018, $86K in all, or 3.2 per 1,000 homes, fewer than 51% of U.S. towns with a flood insurance record. The most claims came from Hurricane Debby (1).

Is Lenox 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 Susquehanna County, 19% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.

How much is flood insurance in Lenox Township?

FEMA’s Community Rating System list shows no discount for Lenox 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 Lenox Township?

By flood claims, Hurricane Debby: 1 paid, $20K.

Is Lenox Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (89%), and Lenox Township’s rate for it is higher than 69% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Lenox Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lenox 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.