Photo: Nicholas · CC BY 2.0FEMA expects about as much hazard damage per building in Manor Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Manor Township gets a B− for hazard risk: higher expected damage per building than 52% of U.S. towns, #780 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (81%), then hurricanes (12%). Flood insurance has paid 133 claims here since 1978.
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 Manor Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Manor 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 Manor Township’s grade
River and rain flooding is 81% of the building damage FEMA expects in Manor Township, and Manor Township’s rate of river and rain flooding damage is higher than 68% of U.S. census tracts. Next is hurricanes at 12% (higher than 82% of U.S. census tracts).
B− #780 of 1,037 in Pennsylvania; higher expected damage per building than 52% of U.S. towns (21,298).
Manor Township’s residents live in 5 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, Manor Township has more expected damage per building than 75% of Pennsylvania towns.
In dollars, FEMA expects about $5.9M a year in losses across Manor Township: $4.6M to buildings, the rest to people and crops.
Does Manor Township flood? Yes: 133 flood claims since 1978
Every paid claim on a federal flood insurance policy in Manor Township, from FEMA’s records: 14.4 per 1,000 homes, more than 80% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee20 claims · $480K
- Tropical Storm Ivan5 claims · $50K
Manor 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: Lancaster County.The storms Manor Township remembers
None of the 18 disasters declared for Lancaster County shows FEMA aid or repair money reaching Manor Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 199630 flood claims paidThe year of Severe Storms and Flooding, declared for Lancaster County
- 197829 flood claims paidNo declaration for the county that year
- 201120 flood claims paidThe year of Tropical Storm Lee, declared for Lancaster County
Lancaster County has had 18 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 Manor Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Manor Township archive →Manor Township and its neighbors
Manor Township is 8th of the 11 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 |
|---|---|---|---|
| Mountville | Aless damage than 85% | river and rain flooding | — |
| Chanceford Township | B+less damage than 72% | river and rain flooding | 18 |
| Lower Windsor Township | B+less damage than 69% | river and rain flooding | 118 |
| East Hempfield Township | B+less damage than 68% | river and rain flooding | 63 |
| West Hempfield Township | B+less damage than 66% | river and rain flooding | 25 |
| Millersville | Bless damage than 64% | river and rain flooding | 2 |
| Hellam Township | B−less damage than 52% | river and rain flooding | 111 |
| Manor Township | B−more damage than 52% | river and rain flooding | 133 |
| Pequea Township | B−more damage than 54% | river and rain flooding | 18 |
| Conestoga Township | B−more damage than 55% | river and rain flooding | 55 |
| Lancaster Township | C−more damage than 79% | river and rain flooding | 99 |
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 Manor 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 Manor Township
Is Manor Township at risk for natural disasters?
On FEMA’s National Risk Index, Manor Township has higher expected damage per building than 52% of U.S. towns: B− for hazard risk, #780 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (81%) and hurricanes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Manor Township flood?
Flood insurance has paid 133 claims in Manor Township since 1978, $1.7M in all, or 14.4 per 1,000 homes, more than 80% of U.S. towns with a flood insurance record. 12 properties have flooded more than once. The most claims came from Tropical Storm Lee (20).
Is Manor 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 Lancaster County, 27% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Manor Township?
FEMA’s Community Rating System list shows no discount for Manor 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 Manor Township?
By flood claims, Tropical Storm Lee: 20 paid, $480K.
Is Manor Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Manor Township’s rate for it is higher than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Manor Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Manor 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.