Photo: Nyttend · Public domainStorms, floods and disasters in Northampton Township
Northampton Township isn’t graded for hazard risk: Northampton Township has 336 residents; we grade towns of 1,000 or more. Flood insurance has paid 5 claims here since 1996.
What Northampton 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.
Does Northampton Township flood? Rarely: 5 flood claims since 1996
Every paid claim on a federal flood insurance policy in Northampton Township, from FEMA’s records.
- Tropical Storm Ivan1 claim · $14K
Northampton 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: Somerset County.The storms Northampton Township remembers
None of the 17 disasters declared for Somerset County shows FEMA aid or repair money reaching Northampton Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20042 flood claims paidThe year of Tropical Depression Ivan, declared for Somerset County
- 19961 flood claims paidThe year of Severe Storms and Flooding, declared for Somerset County
- 19991 flood claims paidNo declaration for the county that year
Somerset County has had 17 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 Northampton Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Northampton Township archive →Northampton Township and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Brothersvalley Township | A+among the lowest damage | river and rain flooding | 2 |
| Fairhope Township | — | 86 residents; we grade 1,000+ | |
| Southampton Township | — | 601 residents; we grade 1,000+ | |
| Allegheny Township | — | 786 residents; we grade 1,000+ | |
| Larimer Township | — | 520 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 Northampton 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 Northampton Township
Does Northampton Township flood?
Flood insurance has paid 5 claims in Northampton Township since 1996, $35K in all. The most claims came from Tropical Storm Ivan (1).
Is Northampton 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 Somerset County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Northampton Township?
FEMA’s Community Rating System list shows no discount for Northampton 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 Northampton Township?
By flood claims, Tropical Storm Ivan: 1 paid, $14K.
Storm stories
Memories, warnings and help from neighbors in Northampton Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Northampton 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.