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AHazard risk
Natural hazards in Packer Township · FEMA

On FEMA’s figures, Packer Township faces less hazard damage per building than 86% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Packer Township gets an A for hazard risk: lower expected damage per building than 86% of U.S. towns. Most of that expected damage is river and rain flooding (83%). Flood insurance has paid 1 claim here since 2006.

River and rain flooding 83%Hurricanes 6%Tornadoes 4%

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

less than 86%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A
in Pennsylvania · lower than 86% of U.S. towns
Main hazard
River and rain flooding
83% of expected building damage
Flood claims
1
paid since 2006 · $27K
Flood claims per home
3 per 1,000
fewer than 56% of U.S. towns
By hazard

What Packer 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

83%of expected building damage
Below average · lower than 64% of U.S. census tracts
Recorded about 2 times a year in the area

Hurricanes

6%of expected building damage
Above average · higher than 67% of U.S. census tracts
Smaller shares here
 Tornadoes Strong wind Earthquakes Hail Wildfire Winter storms Ice storms Lightning Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 18% of Packer Township’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Packer Township’s grade

River and rain flooding is 83% of the building damage FEMA expects in Packer Township, and Packer Township’s rate of river and rain flooding damage is lower than 64% of U.S. census tracts. Next is hurricanes at 6% (higher than 67% of U.S. census tracts).

Where Packer Township sits
Packer Township
Least damageMiddleMost damage

A lower expected damage per building than 86% of U.S. towns (21,298).

All of Packer Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding83%Hurricanes6%Tornadoes4%Everything else7%

In dollars, FEMA expects about $273K a year in losses across Packer Township: $147K to buildings, the rest to people and crops.

Shared tract.All of Packer Township’s 1,029 residents (2020 census) live in one census tract, which it shares with Banks township (1,164 residents) and Beaver Meadows borough (897 residents) and Tresckow CDP (849 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Packer Township flood? Rarely: 1 flood claim since 2006

Every paid claim on a federal flood insurance policy in Packer Township, from FEMA’s records: 2.6 per 1,000 homes, fewer than 56% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2006: 1 claim2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2006
20062026
1
paid claims since 2006
$27K
paid to owners
0
homes flooded more than once
$27K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Packer 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: Carbon County.
Disasters

The storms Packer Township remembers

None of the 15 disasters declared for Carbon County shows FEMA aid or repair money reaching Packer Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20061 flood claims paidThe year of Severe Storms, Flooding, and Mudslides, declared for Carbon County
Disasters declared, by decade
Paid out in Packer TownshipCarbon County only

Carbon County has had 15 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.

Were you here?

Old photos of Packer Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Packer Township archive →
Next door

Packer Township and its neighbors

Packer Township is 3rd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Banks Township: hazard risk ANesquehoning: hazard risk C+Rush Township: hazard risk A+Banks TownshipNesquehoningRush TownshipPacker Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Rush TownshipA+among the lowest damageriver and rain flooding32
Banks TownshipAless damage than 86%river and rain flooding—
Packer TownshipAless damage than 86%river and rain flooding1
NesquehoningC+more damage than 65%river and rain flooding3

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.

Be ready

Get ready for what Packer 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.

When the river rises
  • 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.
More from Ready.gov ↗
Hurricane season
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Packer Township

Is Packer Township at risk for natural disasters?

On FEMA’s National Risk Index, Packer Township has lower expected damage per building than 86% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (83%) and hurricanes (6%). 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 Packer Township flood?

Flood insurance has paid 1 claim in Packer Township since 2006, $27K in all, or 2.6 per 1,000 homes, fewer than 56% of U.S. towns with a flood insurance record.

Is Packer 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 Carbon County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Packer Township?

FEMA’s Community Rating System list shows no discount for Packer Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Packer Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (83%), and Packer Township’s rate for it is lower than 64% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Packer Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Packer 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.