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Glasgow, Cambria County, Pa.Photo: S.MacMillen · Public domain
B+Hazard risk
Natural hazards in Reade Township · FEMA

FEMA expects less hazard damage per building in Reade Township than in 67% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Reade Township gets a B+ for hazard risk: lower expected damage per building than 67% of U.S. towns. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 3 claims here since 1997.

River and rain flooding 92%Tornadoes 3%Hurricanes 3%

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 67%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B+
in Pennsylvania · lower than 67% of U.S. towns
Main hazard
River and rain flooding
92% of expected building damage
Flood claims
3
paid since 1997 · $32K
Flood claims per home
4 per 1,000
more than 54% of U.S. towns
By hazard

What Reade 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

92%of expected building damage
Above average · higher than 61% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Tornadoes Hurricanes Hail Earthquakes Strong wind Wildfire Ice storms Winter storms Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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 Reade Township’s grade

River and rain flooding is 92% of the building damage FEMA expects in Reade Township, and Reade Township’s rate of river and rain flooding damage is higher than 61% of U.S. census tracts.

Where Reade Township sits
Reade Township
Least damageMiddleMost damage

B+ lower expected damage per building than 67% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding92%Tornadoes3%Hurricanes3%Everything else2%

In dollars, FEMA expects about $594K a year in losses across Reade Township: $543K to buildings, the rest to people and crops.

Shared tract.All of Reade Township’s 1,441 residents (2020 census) live in one census tract, which it shares with White township (931 residents) and Blandburg CDP (348 residents) and Flinton CDP (93 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 Reade Township flood? Rarely: 3 flood claims since 1997

Every paid claim on a federal flood insurance policy in Reade Township, from FEMA’s records: 3.9 per 1,000 homes, more than 54% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1997: 1 claim1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 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: 2 claims19972026
19972026
3
paid claims since 1997
$32K
paid to owners
0
homes flooded more than once
$11K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Reade 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: Cambria County.
Disasters

The storms Reade Township remembers

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

  1. 20262 flood claims paidNo declaration for the county that year
  2. 19971 flood claims paidNo declaration for the county that year
Disasters declared, by decade
Paid out in Reade TownshipCambria County only

Cambria County has had 15 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Reade Township archive →
Next door

Reade Township and its neighbors

Reade Township has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.

White Township: not gradedAntis Township: hazard risk B−Flinton: not gradedDean Township: not gradedBeccaria Township: hazard risk C−White TownshipAntis TownshipFlintonDean TownshipBeccaria TownshipReade Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Reade TownshipB+less damage than 67%river and rain flooding3
Antis TownshipB−more damage than 52%river and rain flooding27
Beccaria TownshipC−more damage than 78%river and rain flooding13
White Township—856 residents; we grade 1,000+
Flinton—169 residents; we grade 1,000+
Dean Township—298 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.

Be ready

Get ready for what Reade 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 ↗
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 Reade Township

Is Reade Township at risk for natural disasters?

On FEMA’s National Risk Index, Reade Township has lower expected damage per building than 67% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (92%). 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 Reade Township flood?

Flood insurance has paid 3 claims in Reade Township since 1997, $32K in all, or 3.9 per 1,000 homes, more than 54% of U.S. towns with a flood insurance record.

Is Reade 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 Cambria County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.

How much is flood insurance in Reade Township?

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

Is Reade Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (92%), and Reade Township’s rate for it is higher than 61% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Reade Township.

Town Square →
Start the conversation

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