Photo: J. Passepartout · CC BY-SA 4.0On FEMA’s figures, Lower Frankford Township faces less hazard damage per building than 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lower Frankford Township gets an A for hazard risk: lower expected damage per building than 87% of U.S. towns. Most of that expected damage is river and rain flooding (83%), then hurricanes (10%). Flood insurance has paid 6 claims here since 1984.
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 Lower Frankford 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 Lower Frankford Township’s grade
River and rain flooding is 83% of the building damage FEMA expects in Lower Frankford Township, and Lower Frankford Township’s rate of river and rain flooding damage is lower than 65% of U.S. census tracts. Next is hurricanes at 10% (higher than 74% of U.S. census tracts).
A lower expected damage per building than 87% of U.S. towns (21,298).
All of Lower Frankford Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $428K a year in losses across Lower Frankford Township: $316K to buildings, the rest to people and crops.
Does Lower Frankford Township flood? Rarely: 6 flood claims since 1984
Every paid claim on a federal flood insurance policy in Lower Frankford Township, from FEMA’s records: 8.4 per 1,000 homes, more than 71% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Ivan2 claims · $85K
- Hurricane Floyd1 claim · $6K
Lower Frankford 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: Cumberland County.The storms Lower Frankford Township remembers
None of the 15 disasters declared for Cumberland County shows FEMA aid or repair money reaching Lower Frankford Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20042 flood claims paidThe year of Tropical Depression Ivan, declared for Cumberland County
- 19841 flood claims paidNo declaration for the county that year
- 19991 flood claims paidNo declaration for the county that year
Cumberland County has had 15 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.
Old photos of Lower Frankford Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lower Frankford Township archive →Lower Frankford Township and its neighbors
Lower Frankford Township is 2nd 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 |
|---|---|---|---|
| Upper Frankford Township | Aless damage than 87% | river and rain flooding | 26 |
| Lower Frankford Township | Aless damage than 87% | river and rain flooding | 6 |
| West Pennsboro Township | A−less damage than 76% | river and rain flooding | 1 |
| North Middleton Township | B+less damage than 67% | river and rain flooding | 21 |
| Tyrone Township | C+more damage than 60% | river and rain flooding | 14 |
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 Lower Frankford 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 Lower Frankford Township
Is Lower Frankford Township at risk for natural disasters?
On FEMA’s National Risk Index, Lower Frankford Township has lower expected damage per building than 87% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (83%) 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.
Does Lower Frankford Township flood?
Flood insurance has paid 6 claims in Lower Frankford Township since 1984, $112K in all, or 8.4 per 1,000 homes, more than 71% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Tropical Storm Ivan (2).
Is Lower Frankford 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 Cumberland County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Lower Frankford Township?
FEMA’s Community Rating System list shows no discount for Lower Frankford 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 Lower Frankford Township?
By flood claims, Tropical Storm Ivan: 2 paid, $85K.
Is Lower Frankford Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (83%), and Lower Frankford Township’s rate for it is lower than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lower Frankford Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lower Frankford 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.