Photo: 0scillati0ons at English Wikipedia · Public domainFEMA expects less hazard damage per building in Penn Township than in 82% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Penn Township gets an A− for hazard risk: lower expected damage per building than 82% of U.S. towns, #377 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (93%). Flood insurance has paid 32 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 Penn Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Penn 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 Penn Township’s grade
River and rain flooding is 93% of the building damage FEMA expects in Penn Township, and Penn Township’s rate of river and rain flooding damage is lower than 51% of U.S. census tracts.
A− #377 of 1,037 in Pennsylvania; lower expected damage per building than 82% of U.S. towns (21,298).
All of Penn 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, Penn Township has less expected damage per building than 64% of Pennsylvania towns.
In dollars, FEMA expects about $1.2M a year in losses across Penn Township: $1.1M to buildings, the rest to people and crops.
Does Penn Township flood? Sometimes: 32 flood claims since 1978
Every paid claim on a federal flood insurance policy in Penn Township, from FEMA’s records: 15.6 per 1,000 homes, more than 81% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Ivan7 claims · $163K
- The March 2010 nor’easter1 claim · $10K
Penn 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: Butler County.The storms Penn Township remembers
None of the 8 disasters declared for Butler County shows FEMA aid or repair money reaching Penn Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20047 flood claims paidThe year of Tropical Depression Ivan, declared for Butler County
- 20246 flood claims paidNo declaration for the county that year
- 20103 flood claims paidThe year of Severe Winter Storms and Snowstorms, declared for Butler County
Butler County has had 8 natural disasters declared by the President since 1953, most often floods, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Penn Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Penn Township archive →Penn Township and its neighbors
Penn 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 |
|---|---|---|---|
| Butler Township | Aless damage than 94% | river and rain flooding | 107 |
| Jefferson Township | A−less damage than 85% | river and rain flooding | 17 |
| Penn Township | A−less damage than 82% | river and rain flooding | 32 |
| Middlesex Township | B−more damage than 50% | river and rain flooding | 7 |
| Forward Township | C+more damage than 65% | river and rain flooding | 160 |
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 Penn 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 Penn Township
Is Penn Township at risk for natural disasters?
On FEMA’s National Risk Index, Penn Township has lower expected damage per building than 82% of U.S. towns: A− for hazard risk, #377 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (93%). 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 Penn Township flood?
Flood insurance has paid 32 claims in Penn Township since 1978, $409K in all, or 15.6 per 1,000 homes, more than 81% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Ivan (7).
Is Penn 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 Butler County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Penn Township?
FEMA’s Community Rating System list shows no discount for Penn 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 Penn Township?
By flood claims, Tropical Storm Ivan: 7 paid, $163K.
Is Penn Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Penn Township’s rate for it is lower than 51% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Penn Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Penn 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.