Photo: User:Dincher · CC BY-SA 3.0FEMA expects more hazard damage per building in Old Lycoming Township than in 75% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Old Lycoming Township gets a C for hazard risk: higher expected damage per building than 75% of U.S. towns, #938 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (95%). Flood insurance has paid 552 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 Old Lycoming Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Old Lycoming 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 Old Lycoming Township’s grade
River and rain flooding is 95% of the building damage FEMA expects in Old Lycoming Township, and Old Lycoming Township’s rate of river and rain flooding damage is higher than 88% of U.S. census tracts.
C #938 of 1,037 in Pennsylvania; higher expected damage per building than 75% of U.S. towns (21,298).
All of Old Lycoming 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, Old Lycoming Township has more expected damage per building than 90% of Pennsylvania towns.
In dollars, FEMA expects about $1.7M a year in losses across Old Lycoming Township: $1.4M to buildings, the rest to people and crops.
Does Old Lycoming Township flood? Yes: 552 flood claims since 1978
Every paid claim on a federal flood insurance policy in Old Lycoming Township, from FEMA’s records: 216.0 per 1,000 homes, more than 98% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee89 claims · $2.2M
- Tropical Storm Ivan77 claims · $1.1M
- Hurricane Debby13 claims · $233K
Old Lycoming 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.5 federal disasters brought FEMA money to Old Lycoming Township
Disasters that paid out in Old Lycoming Township itself (aid to households or repair grants to Old Lycoming Township), newest first, with that year’s flood claims.
- 2024Tropical Storm Debby$60K to Old Lycoming Township for repairs13 flood claims paid for it, $233K
- 2016Severe Storms and Flooding$53K to Old Lycoming Township for repairs9 flood claims paid that year
- 2011Tropical Storm Lee$51K to Old Lycoming Township for repairs89 flood claims paid for it, $2.2M
- 2004Tropical Depression Ivan$31K to Old Lycoming Township for repairs77 flood claims paid for it, $1.1M
- 2003Snow$7K to Old Lycoming Township for repairs
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 Old Lycoming Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Old Lycoming Township archive →Old Lycoming Township and its neighbors
Old Lycoming 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 |
|---|---|---|---|
| Williamsport | A−less damage than 81% | river and rain flooding | 98 |
| Loyalsock Township | Bless damage than 61% | river and rain flooding | 263 |
| Old Lycoming Township | Cmore damage than 75% | river and rain flooding | 552 |
| Woodward Township | C−more damage than 80% | river and rain flooding | 27 |
| Lycoming Township | Dmore damage than 87% | river and rain flooding | 237 |
| Garden View | — | 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 Old Lycoming 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 Old Lycoming Township
Is Old Lycoming Township at risk for natural disasters?
On FEMA’s National Risk Index, Old Lycoming Township has higher expected damage per building than 75% of U.S. towns: C for hazard risk, #938 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (95%). 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 Old Lycoming Township flood?
Flood insurance has paid 552 claims in Old Lycoming Township since 1978, $9.0M in all, or 216.0 per 1,000 homes, more than 98% of U.S. towns with a flood insurance record. 82 properties have flooded more than once. The most claims came from Tropical Storm Lee (89).
Is Old Lycoming 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 Old Lycoming Township?
FEMA’s Community Rating System list shows no discount for Old Lycoming 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 Old Lycoming Township?
By FEMA money that reached Old Lycoming Township, Tropical Storm Debby (2024): $60K to Old Lycoming Township for repairs. By flood claims, Tropical Storm Lee: 89 paid, $2.2M.
Is Old Lycoming Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (95%), and Old Lycoming Township’s rate for it is higher than 88% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Old Lycoming Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Old Lycoming 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.