Photo: Nyttend · Public domainOn FEMA’s figures, Napier Township faces more hazard damage per building than 60% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Napier Township gets a C+ for hazard risk: higher expected damage per building than 60% of U.S. towns. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 3 claims here since 1996.
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 Napier 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 Napier Township’s grade
River and rain flooding is 92% of the building damage FEMA expects in Napier Township, and Napier Township’s rate of river and rain flooding damage is higher than 79% of U.S. census tracts.
C+ higher expected damage per building than 60% of U.S. towns (21,298).
All of Napier Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $941K a year in losses across Napier Township: $845K to buildings, the rest to people and crops.
Does Napier Township flood? Rarely: 3 flood claims since 1996
Every paid claim on a federal flood insurance policy in Napier Township, from FEMA’s records: 2.6 per 1,000 homes, fewer than 55% of the 13,809 U.S. towns with a flood insurance record.
Napier 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: Bedford County.The storms Napier Township remembers
None of the 16 disasters declared for Bedford County shows FEMA aid or repair money reaching Napier Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19961 flood claims paidThe year of Flooding, Severe Storms, declared for Bedford County
- 20141 flood claims paidNo declaration for the county that year
- 20241 flood claims paidNo declaration for the county that year
Bedford County has had 16 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 Napier Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Napier Township archive →Napier Township and its neighbors
Napier Township is 3rd 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 |
|---|---|---|---|
| Shade Township | A−less damage than 80% | river and rain flooding | 2 |
| Bedford Township | B−more damage than 52% | river and rain flooding | 427 |
| Napier Township | C+more damage than 60% | river and rain flooding | 3 |
| East St. Clair Township | Cmore damage than 65% | river and rain flooding | 175 |
| West St. Clair Township | Cmore damage than 65% | river and rain flooding | 47 |
| Harrison Township | — | 977 residents; we grade 1,000+ | |
| Juniata Township | — | 776 residents; we grade 1,000+ | |
| Manns Choice | — | 315 residents; we grade 1,000+ | |
| Ogle Township | — | 454 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 Napier 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 Napier Township
Is Napier Township at risk for natural disasters?
On FEMA’s National Risk Index, Napier Township has higher expected damage per building than 60% of U.S. towns: C+ 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 Napier Township flood?
Flood insurance has paid 3 claims in Napier Township since 1996, $60K in all, or 2.6 per 1,000 homes, fewer than 55% of U.S. towns with a flood insurance record.
Is Napier 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 Bedford County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Napier Township?
FEMA’s Community Rating System list shows no discount for Napier Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Napier Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Napier Township’s rate for it is higher than 79% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Napier Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Napier 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.