Photo: Pstark1 · CC BY-SA 3.0More hazard damage per building is expected in Overfield Township than in 83% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Overfield Township gets a C− for hazard risk: higher expected damage per building than 83% of U.S. towns. Most of that expected damage is river and rain flooding (95%). Flood insurance has paid 2 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 Overfield 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 Overfield Township’s grade
River and rain flooding is 95% of the building damage FEMA expects in Overfield Township, and Overfield Township’s rate of river and rain flooding damage is in the top 8% of U.S. census tracts.
C− higher expected damage per building than 83% of U.S. towns (21,298).
All of Overfield Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $695K a year in losses across Overfield Township: $643K to buildings, the rest to people and crops.
Does Overfield Township flood? Rarely: 2 flood claims since 1996
Every paid claim on a federal flood insurance policy in Overfield 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.
Overfield 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: Wyoming County.The storms Overfield Township remembers
None of the 21 disasters declared for Wyoming County shows FEMA aid or repair money reaching Overfield Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19961 flood claims paidThe year of Severe Storms and Flooding, declared for Wyoming County
- 20061 flood claims paidThe year of Severe Storms and Flooding, declared for Wyoming County
Wyoming County has had 21 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Overfield Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Overfield Township archive →Overfield Township and its neighbors
Overfield Township is 4th of the 4 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 |
|---|---|---|---|
| Tunkhannock Township | Cmore damage than 65% | river and rain flooding | 87 |
| Clinton Township | C−more damage than 80% | river and rain flooding | — |
| Falls Township | C−more damage than 83% | river and rain flooding | 147 |
| Overfield Township | C−more damage than 83% | river and rain flooding | 2 |
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 Overfield 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 Overfield Township
Is Overfield Township at risk for natural disasters?
On FEMA’s National Risk Index, Overfield Township has higher expected damage per building than 83% of U.S. towns: C− for hazard risk. 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 Overfield Township flood?
Flood insurance has paid 2 claims in Overfield Township since 1996, $5K in all, or 2.3 per 1,000 homes, fewer than 58% of U.S. towns with a flood insurance record.
Is Overfield 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 Wyoming County, 24% of homes in mapped flood zones carry federal flood insurance, and 1.6% of all homes do.
How much is flood insurance in Overfield Township?
FEMA’s Community Rating System list shows no discount for Overfield Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Overfield Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (95%), and Overfield Township’s rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Overfield Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Overfield 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.