FEMA puts Porter Township’s expected hazard damage per building above that of 64% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Porter Township gets a C+ for hazard risk: higher expected damage per building than 64% of U.S. towns. Most of that expected damage is river and rain flooding (91%). FEMA’s files show no paid flood insurance claims here.
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 Porter 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 Porter Township’s grade
River and rain flooding is 91% of the building damage FEMA expects in Porter Township, and Porter Township’s rate of river and rain flooding damage is higher than 81% of U.S. census tracts.
C+ higher expected damage per building than 64% of U.S. towns (21,298).
All of Porter Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $867K a year in losses across Porter Township: $742K to buildings, the rest to people and crops.
Does Porter Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Porter Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Porter 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: Schuylkill County.The storms Porter Township remembers
None of the 20 disasters declared for Schuylkill County shows FEMA aid or repair money reaching Porter Township itself in FEMA’s records, so these are its biggest flood-claim years.
Schuylkill County has had 20 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.
Porter Township and its neighbors
Porter Township is 2nd of the 3 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 |
|---|---|---|---|
| Hegins Township | Bless damage than 64% | river and rain flooding | 1 |
| Porter Township | C+more damage than 64% | river and rain flooding | 0 |
| Williams Township | C−more damage than 82% | river and rain flooding | 117 |
| Tremont Township | — | 272 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 Porter 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 Porter Township
Is Porter Township at risk for natural disasters?
On FEMA’s National Risk Index, Porter Township has higher expected damage per building than 64% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (91%). 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.
Is Porter 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 Schuylkill County, 17% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.
How much is flood insurance in Porter Township?
FEMA’s Community Rating System list shows no discount for Porter Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Porter Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (91%), and Porter Township’s rate for it is higher than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Porter Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Porter 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.