Photo: Shuvaev · CC BY-SA 3.0FEMA expects less hazard damage per building in Maidencreek Township than in 62% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Maidencreek Township gets a B for hazard risk: lower expected damage per building than 62% of U.S. towns, #647 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (82%). Flood insurance has paid 20 claims here since 1994.
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 stands out about Maidencreek Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Maidencreek 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 Maidencreek Township’s grade
River and rain flooding is 82% of the building damage FEMA expects in Maidencreek Township, and Maidencreek Township’s rate of river and rain flooding damage is higher than 59% of U.S. census tracts. Next is hurricanes at 8% (higher than 78% of U.S. census tracts).
B #647 of 1,037 in Pennsylvania; lower expected damage per building than 62% of U.S. towns (21,298).
Maidencreek Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Pennsylvania town has lower expected damage than 71% of U.S. towns; within the state, Maidencreek Township has more expected damage per building than 62% of Pennsylvania towns.
In dollars, FEMA expects about $3.0M a year in losses across Maidencreek Township: $2.3M to buildings, the rest to people and crops.
Does Maidencreek Township flood? Sometimes: 20 flood claims since 1994
Every paid claim on a federal flood insurance policy in Maidencreek Township, from FEMA’s records: 5.7 per 1,000 homes, more than 63% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Isaias4 claims · $31K
- Tropical Storm Lee2 claims · $23K
- Hurricane Ida1 claim · $40K
Maidencreek 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: Berks County.The storms Maidencreek Township remembers
None of the 19 disasters declared for Berks County shows FEMA aid or repair money reaching Maidencreek Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20237 flood claims paidNo declaration for the county that year
- 20114 flood claims paidThe year of Tropical Storm Lee, declared for Berks County
- 20204 flood claims paidNo declaration for the county that year
Berks County has had 19 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 Maidencreek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Maidencreek Township archive →Maidencreek Township and its neighbors
Maidencreek Township is 5th 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 |
|---|---|---|---|
| Ruscombmanor Township | A+less damage than 97% | river and rain flooding | 2 |
| Richmond Township | A−less damage than 77% | river and rain flooding | 30 |
| Perry Township | B+less damage than 69% | river and rain flooding | 44 |
| Ontelaunee Township | B+less damage than 68% | river and rain flooding | 37 |
| Maidencreek Township | Bless damage than 62% | river and rain flooding | 20 |
| Blandon | — | a Census area inside a town; graded with the town | |
| Walnuttown | — | 426 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 Maidencreek 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 Maidencreek Township
Is Maidencreek Township at risk for natural disasters?
On FEMA’s National Risk Index, Maidencreek Township has lower expected damage per building than 62% of U.S. towns: B for hazard risk, #647 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (82%) and hurricanes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Maidencreek Township flood?
Flood insurance has paid 20 claims in Maidencreek Township since 1994, $279K in all, or 5.7 per 1,000 homes, more than 63% of U.S. towns with a flood insurance record. 5 properties have flooded more than once. The most claims came from Hurricane Isaias (4).
Is Maidencreek 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 Berks County, 34% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Maidencreek Township?
FEMA’s Community Rating System list shows no discount for Maidencreek 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 Maidencreek Township?
By flood claims, Hurricane Isaias: 4 paid, $31K.
Is Maidencreek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Maidencreek Township’s rate for it is higher than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Maidencreek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Maidencreek 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.