Photo: Ruhrfisch · CC BY-SA 3.0FEMA expects more hazard damage per building in Locust Township than in 63% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Locust Township gets a C+ for hazard risk: higher expected damage per building than 63% of U.S. towns. Most of that expected damage is river and rain flooding (90%). Flood insurance has paid 33 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 Locust 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 Locust Township’s grade
River and rain flooding is 90% of the building damage FEMA expects in Locust Township, and Locust Township’s rate of river and rain flooding damage is higher than 80% of U.S. census tracts.
C+ higher expected damage per building than 63% of U.S. towns (21,298).
All of Locust Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $527K a year in losses across Locust Township: $448K to buildings, the rest to people and crops.
Does Locust Township flood? Sometimes: 33 flood claims since 1979
Every paid claim on a federal flood insurance policy in Locust Township, from FEMA’s records: 50.0 per 1,000 homes, more than 92% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee6 claims · $76K
- Tropical Storm Ivan2 claims · $21K
Locust 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: Columbia County.The storms Locust Township remembers
None of the 16 disasters declared for Columbia County shows FEMA aid or repair money reaching Locust Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 199611 flood claims paidThe year of Severe Storms and Flooding, declared for Columbia County
- 20117 flood claims paidThe year of Tropical Storm Lee, declared for Columbia County
- 20065 flood claims paidThe year of Severe Storms, Flooding, and Mudslides, declared for Columbia County
Columbia County has had 16 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 Locust Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Locust Township archive →Locust Township and its neighbors
Locust Township is 2nd of the 2 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 |
|---|---|---|---|
| Cleveland Township | C+more damage than 63% | river and rain flooding | 32 |
| Locust Township | C+more damage than 63% | river and rain flooding | 33 |
| Conyngham Township | — | 815 residents; we grade 1,000+ | |
| Roaring Creek Township | — | 683 residents; we grade 1,000+ | |
| Catawissa Township | — | 891 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 Locust 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 Locust Township
Is Locust Township at risk for natural disasters?
On FEMA’s National Risk Index, Locust Township has higher expected damage per building than 63% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (90%). 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 Locust Township flood?
Flood insurance has paid 33 claims in Locust Township since 1979, $387K in all, or 50.0 per 1,000 homes, more than 92% of U.S. towns with a flood insurance record. 4 properties have flooded more than once. The most claims came from Tropical Storm Lee (6).
Is Locust 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 Columbia County, 23% of homes in mapped flood zones carry federal flood insurance, and 1.9% of all homes do.
How much is flood insurance in Locust Township?
FEMA’s Community Rating System list shows no discount for Locust 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 Locust Township?
By flood claims, Tropical Storm Lee: 6 paid, $76K.
Is Locust Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Locust Township’s rate for it is higher than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Locust Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Locust 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.