Photo: Ruhrfisch · CC BY-SA 4.0On FEMA’s figures, Moreland Township faces less hazard damage per building than 61% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Moreland Township gets a B for hazard risk: lower expected damage per building than 61% of U.S. towns. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 11 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 Moreland 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 Moreland Township’s grade
River and rain flooding is 92% of the building damage FEMA expects in Moreland Township, and Moreland Township’s rate of river and rain flooding damage is higher than 67% of U.S. census tracts.
B lower expected damage per building than 61% of U.S. towns (21,298).
All of Moreland Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $408K a year in losses across Moreland Township: $349K to buildings, the rest to people and crops.
Does Moreland Township flood? Sometimes: 11 flood claims since 1979
Every paid claim on a federal flood insurance policy in Moreland Township, from FEMA’s records: 22.8 per 1,000 homes, more than 86% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee4 claims · $153K
- Tropical Storm Ivan2 claims · $3K
Moreland 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: Lycoming County.The storms Moreland Township remembers
None of the 17 disasters declared for Lycoming County shows FEMA aid or repair money reaching Moreland Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20114 flood claims paidThe year of Tropical Storm Lee, declared for Lycoming County
- 19963 flood claims paidThe year of Severe Storms and Flooding, declared for Lycoming County
- 19792 flood claims paidNo declaration for the county that year
Lycoming County has had 17 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 Moreland Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Moreland Township archive →Moreland Township and its neighbors
Moreland Township has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Moreland Township | Bless damage than 61% | river and rain flooding | 11 |
| Muncy Creek Township | C−more damage than 81% | river and rain flooding | 162 |
| Wolf Township | C−more damage than 84% | river and rain flooding | 14 |
| Franklin Township | — | 789 residents; we grade 1,000+ | |
| Penn Township | — | 774 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 Moreland 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 Moreland Township
Is Moreland Township at risk for natural disasters?
On FEMA’s National Risk Index, Moreland Township has lower expected damage per building than 61% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (92%). 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 Moreland Township flood?
Flood insurance has paid 11 claims in Moreland Township since 1979, $171K in all, or 22.8 per 1,000 homes, more than 86% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Tropical Storm Lee (4).
Is Moreland 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 Lycoming County, 16% of homes in mapped flood zones carry federal flood insurance, and 1.7% of all homes do.
How much is flood insurance in Moreland Township?
FEMA’s Community Rating System list shows no discount for Moreland 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 Moreland Township?
By flood claims, Tropical Storm Lee: 4 paid, $153K.
Is Moreland Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Moreland Township’s rate for it is higher than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Moreland Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Moreland 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.