Photo: Dboyer88 · CC BY-SA 4.0FEMA expects about as much hazard damage per building in North Annville Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, North Annville Township gets a C+ for hazard risk: higher expected damage per building than 57% of U.S. towns. Most of that expected damage is river and rain flooding (84%). Flood insurance has paid 85 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 North Annville 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 North Annville Township’s grade
River and rain flooding is 84% of the building damage FEMA expects in North Annville Township, and North Annville Township’s rate of river and rain flooding damage is higher than 73% of U.S. census tracts. Next is hurricanes at 8% (higher than 81% of U.S. census tracts).
C+ higher expected damage per building than 57% of U.S. towns (21,298).
All of North Annville Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.0M a year in losses across North Annville Township: $734K to buildings, the rest to people and crops.
Does North Annville Township flood? Sometimes: 85 flood claims since 1978
Every paid claim on a federal flood insurance policy in North Annville Township, from FEMA’s records: 98.2 per 1,000 homes, more than 96% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee19 claims · $1.5M
- Tropical Storm Ivan11 claims · $310K
North Annville 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: Lebanon County.1 federal disaster brought FEMA money to North Annville Township
Disasters that paid out in North Annville Township itself (aid to households or repair grants to North Annville Township), newest first, with that year’s flood claims.
- 2011Tropical Storm Lee1 households applied for aid$29K aid approved19 flood claims paid for it, $1.5M
Lebanon County has had 15 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 North Annville Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the North Annville Township archive →North Annville Township and its neighbors
North Annville Township is 7th of the 8 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 |
|---|---|---|---|
| North Lebanon Township | A−less damage than 84% | river and rain flooding | 5 |
| Union Township | A−less damage than 78% | river and rain flooding | 291 |
| North Londonderry Township | Bless damage than 65% | river and rain flooding | 9 |
| East Hanover Township | Bless damage than 61% | river and rain flooding | 22 |
| South Annville Township | Bless damage than 57% | river and rain flooding | 14 |
| Swatara Township | C+more damage than 56% | river and rain flooding | 31 |
| North Annville Township | C+more damage than 57% | river and rain flooding | 85 |
| Annville Township | C+more damage than 62% | river and rain flooding | 64 |
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 North Annville 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 North Annville Township
Is North Annville Township at risk for natural disasters?
On FEMA’s National Risk Index, North Annville Township has higher expected damage per building than 57% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (84%) and hurricanes (8%). 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 North Annville Township flood?
Flood insurance has paid 85 claims in North Annville Township since 1978, $2.6M in all, or 98.2 per 1,000 homes, more than 96% of U.S. towns with a flood insurance record. 15 properties have flooded more than once. The most claims came from Tropical Storm Lee (19).
Is North Annville 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 Lebanon County, 29% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in North Annville Township?
FEMA’s Community Rating System list shows no discount for North Annville 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 North Annville Township?
By FEMA money that reached North Annville Township, Tropical Storm Lee (2011): 1 households applied for aid, $29K approved. By flood claims, Tropical Storm Lee: 19 paid, $1.5M.
Is North Annville Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and North Annville Township’s rate for it is higher than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in North Annville Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where North Annville 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.