Photo: Ruhrfisch · CC BY-SA 4.0On FEMA’s figures, Lewis Township faces more hazard damage per building than 69% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lewis Township gets a C for hazard risk: higher expected damage per building than 69% of U.S. towns. Most of that expected damage is river and rain flooding (94%). Flood insurance has paid 51 claims here since 1979.
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 Lewis 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 Lewis Township’s grade
River and rain flooding is 94% of the building damage FEMA expects in Lewis Township, and Lewis Township’s rate of river and rain flooding damage is higher than 85% of U.S. census tracts.
C higher expected damage per building than 69% of U.S. towns (21,298).
All of Lewis Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $775K a year in losses across Lewis Township: $679K to buildings, the rest to people and crops.
Does Lewis Township flood? Sometimes: 51 flood claims since 1979
Every paid claim on a federal flood insurance policy in Lewis Township, from FEMA’s records: 66.8 per 1,000 homes, more than 94% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee14 claims · $896K
- Tropical Storm Ivan5 claims · $101K
Lewis 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: Northumberland County.The storms Lewis Township remembers
None of the 15 disasters declared for Northumberland County shows FEMA aid or repair money reaching Lewis Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 201117 flood claims paidThe year of Tropical Storm Lee, declared for Northumberland County
- 19968 flood claims paidThe year of Severe Storms and Flooding, declared for Northumberland County
- 19796 flood claims paidNo declaration for the county that year
Northumberland County has had 15 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 Lewis Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lewis Township archive →Lewis Township and its neighbors
Lewis Township is 3rd of the 5 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 |
|---|---|---|---|
| Anthony Township | C+more damage than 58% | river and rain flooding | 21 |
| Turbot Township | Cmore damage than 69% | river and rain flooding | 108 |
| Lewis Township | Cmore damage than 69% | river and rain flooding | 51 |
| Delaware Township | C−more damage than 78% | river and rain flooding | 47 |
| Muncy Creek Township | C−more damage than 81% | river and rain flooding | 162 |
| Limestone Township | — | not graded yet | |
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 Lewis 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 Lewis Township
Is Lewis Township at risk for natural disasters?
On FEMA’s National Risk Index, Lewis Township has higher expected damage per building than 69% of U.S. towns: C for hazard risk. 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 Lewis Township flood?
Flood insurance has paid 51 claims in Lewis Township since 1979, $1.6M in all, or 66.8 per 1,000 homes, more than 94% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Lee (14).
Is Lewis 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 Northumberland County, 15% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.
How much is flood insurance in Lewis Township?
FEMA’s Community Rating System list shows no discount for Lewis 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 Lewis Township?
By flood claims, Tropical Storm Lee: 14 paid, $896K.
Is Lewis Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Lewis Township’s rate for it is higher than 85% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lewis Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lewis 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.