Photo: Doug Kerr · CC BY-SA 2.0FEMA expects more hazard damage per building in Muncy Creek Township than in 81% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Muncy Creek Township gets a C− for hazard risk: higher expected damage per building than 81% of U.S. towns, #973 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (96%). Flood insurance has paid 162 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 Muncy Creek Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Muncy Creek 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 Muncy Creek Township’s grade
River and rain flooding is 96% of the building damage FEMA expects in Muncy Creek Township, and Muncy Creek Township’s rate of river and rain flooding damage is in the top 9% of U.S. census tracts.
C− #973 of 1,037 in Pennsylvania; higher expected damage per building than 81% of U.S. towns (21,298).
All of Muncy Creek Township’s residents live in one census tract; the figures are that tract’s.
The typical Pennsylvania town has lower expected damage than 71% of U.S. towns; within the state, Muncy Creek Township has more expected damage per building than 94% of Pennsylvania towns.
In dollars, FEMA expects about $2.2M a year in losses across Muncy Creek Township: $1.8M to buildings, the rest to people and crops.
Does Muncy Creek Township flood? Yes: 162 flood claims since 1978
Every paid claim on a federal flood insurance policy in Muncy Creek Township, from FEMA’s records: 119.6 per 1,000 homes, more than 97% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee44 claims · $1.8M
- Tropical Storm Ivan23 claims · $563K
- Hurricane Irene2 claims · $9K
Muncy Creek 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 Muncy Creek Township remembers
None of the 17 disasters declared for Lycoming County shows FEMA aid or repair money reaching Muncy Creek Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 201148 flood claims paidThe year of Tropical Storm Lee, declared for Lycoming County
- 199640 flood claims paidThe year of Severe Storms and Flooding, declared for Lycoming County
- 200423 flood claims paidThe year of Tropical Depression Ivan, declared for Lycoming County
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 Muncy Creek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Muncy Creek Township archive →Muncy Creek Township and its neighbors
Muncy Creek Township is 6th 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 |
|---|---|---|---|
| Moreland Township | Bless damage than 61% | river and rain flooding | 11 |
| Lewis Township | Cmore damage than 69% | river and rain flooding | 51 |
| Clinton Township | C−more damage than 77% | river and rain flooding | 5 |
| Delaware Township | C−more damage than 78% | river and rain flooding | 47 |
| Muncy Township | C−more damage than 81% | river and rain flooding | 3 |
| 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 |
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 Muncy Creek 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 Muncy Creek Township
Is Muncy Creek Township at risk for natural disasters?
On FEMA’s National Risk Index, Muncy Creek Township has higher expected damage per building than 81% of U.S. towns: C− for hazard risk, #973 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (96%). 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 Muncy Creek Township flood?
Flood insurance has paid 162 claims in Muncy Creek Township since 1978, $3.6M in all, or 119.6 per 1,000 homes, more than 97% of U.S. towns with a flood insurance record. 25 properties have flooded more than once. The most claims came from Tropical Storm Lee (44).
Is Muncy Creek 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 Muncy Creek Township?
FEMA’s Community Rating System list shows no discount for Muncy Creek 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 Muncy Creek Township?
By flood claims, Tropical Storm Lee: 44 paid, $1.8M.
Is Muncy Creek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (96%), and Muncy Creek Township’s rate for it is in the top 9% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Muncy Creek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Muncy Creek 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.