Photo: Generic1139 · CC BY-SA 3.0More hazard damage per building is expected in Monongahela Township than in 83% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Monongahela Township gets a C− for hazard risk: higher expected damage per building than 83% of U.S. towns. Most of that expected damage is river and rain flooding (94%). Flood insurance has paid 1 claim here since 1985.
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 Monongahela 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 Monongahela Township’s grade
River and rain flooding is 94% of the building damage FEMA expects in Monongahela Township, and Monongahela Township’s rate of river and rain flooding damage is in the top 8% of U.S. census tracts.
C− higher expected damage per building than 83% of U.S. towns (21,298).
All of Monongahela Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $770K a year in losses across Monongahela Township: $719K to buildings, the rest to people and crops.
Does Monongahela Township flood? Rarely: 1 flood claim since 1985
Every paid claim on a federal flood insurance policy in Monongahela Township, from FEMA’s records: 1.6 per 1,000 homes, fewer than 67% of the 13,809 U.S. towns with a flood insurance record.
Monongahela 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: Greene County.The storms Monongahela Township remembers
None of the 12 disasters declared for Greene County shows FEMA aid or repair money reaching Monongahela Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19851 flood claims paidThe year of Severe Storms and Flooding, declared for Greene County
Greene County has had 12 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 Monongahela Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Monongahela Township archive →Monongahela Township and its neighbors
Monongahela Township is 7th of the 7 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 |
|---|---|---|---|
| Masontown | B+less damage than 73% | river and rain flooding | 2 |
| Nicholson Township | C+more damage than 56% | river and rain flooding | 18 |
| Springhill Township | C+more damage than 56% | river and rain flooding | 6 |
| German Township | C+more damage than 62% | river and rain flooding | 7 |
| Cumberland Township | C+more damage than 63% | river and rain flooding | — |
| Dunkard Township | C−more damage than 83% | river and rain flooding | 3 |
| Monongahela Township | C−more damage than 83% | river and rain flooding | 1 |
| Greene Township | — | 539 residents; we grade 1,000+ | |
| Greensboro | — | 285 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 Monongahela 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 Monongahela Township
Is Monongahela Township at risk for natural disasters?
On FEMA’s National Risk Index, Monongahela Township has higher expected damage per building than 83% 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 Monongahela Township flood?
Flood insurance has paid 1 claim in Monongahela Township since 1985, $55K in all, or 1.6 per 1,000 homes, fewer than 67% of U.S. towns with a flood insurance record.
Is Monongahela 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 Greene County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Monongahela Township?
FEMA’s Community Rating System list shows no discount for Monongahela Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Monongahela Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Monongahela Township’s rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Monongahela Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Monongahela 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.