Photo: MPHaas · CC BY-SA 3.0FEMA expects less hazard damage per building in North Londonderry Township than in 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, North Londonderry Township gets a B for hazard risk: lower expected damage per building than 65% of U.S. towns, #602 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (78%), then hurricanes (12%). Flood insurance has paid 9 claims here since 2004.
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 Londonderry 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 Londonderry Township’s grade
River and rain flooding is 78% of the building damage FEMA expects in North Londonderry Township, and North Londonderry Township’s rate of river and rain flooding damage is higher than 53% of U.S. census tracts. Next is hurricanes at 12% (higher than 81% of U.S. census tracts).
B #602 of 1,037 in Pennsylvania; lower expected damage per building than 65% of U.S. towns (21,298).
North Londonderry Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Pennsylvania town has lower expected damage than 71% of U.S. towns; within the state, North Londonderry Township has more expected damage per building than 58% of Pennsylvania towns.
In dollars, FEMA expects about $2.5M a year in losses across North Londonderry Township: $2.0M to buildings, the rest to people and crops.
Does North Londonderry Township flood? Rarely: 9 flood claims since 2004
Every paid claim on a federal flood insurance policy in North Londonderry Township, from FEMA’s records: 2.3 per 1,000 homes, fewer than 58% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee3 claims · $137K
- Tropical Storm Ivan2 claims · $98K
North Londonderry 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.The storms North Londonderry Township remembers
None of the 15 disasters declared for Lebanon County shows FEMA aid or repair money reaching North Londonderry 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 Lebanon County
- 20042 flood claims paidThe year of Tropical Depression Ivan, declared for Lebanon County
- 20061 flood claims paidThe year of Severe Storms, Flooding, and Mudslides, declared for Lebanon County
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 Londonderry Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the North Londonderry Township archive →North Londonderry Township and its neighbors
North Londonderry Township is 4th 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 |
|---|---|---|---|
| Palmyra | Aless damage than 89% | river and rain flooding | 3 |
| Derry Township | A−less damage than 80% | river and rain flooding | 181 |
| South Londonderry Township | B+less damage than 68% | river and rain flooding | 12 |
| 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 |
| North Annville Township | C+more damage than 57% | river and rain flooding | 85 |
| Palmdale | — | a Census area inside a town; graded with the town | |
| Campbelltown | — | a Census area inside a town; graded with the town | |
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 Londonderry 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 Londonderry Township
Is North Londonderry Township at risk for natural disasters?
On FEMA’s National Risk Index, North Londonderry Township has lower expected damage per building than 65% of U.S. towns: B for hazard risk, #602 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (78%) and hurricanes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does North Londonderry Township flood?
Flood insurance has paid 9 claims in North Londonderry Township since 2004, $305K in all, or 2.3 per 1,000 homes, fewer than 58% of U.S. towns with a flood insurance record. 2 properties have flooded more than once. The most claims came from Tropical Storm Lee (3).
Is North Londonderry 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 Londonderry Township?
FEMA’s Community Rating System list shows no discount for North Londonderry 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 Londonderry Township?
By flood claims, Tropical Storm Lee: 3 paid, $137K.
Is North Londonderry Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and North Londonderry Township’s rate for it is higher than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in North Londonderry Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where North Londonderry 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.