Photo: Nyttend · Public domainFEMA puts Reserve Township’s expected hazard damage per building above that of 83% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Reserve Township gets a C− for hazard risk: higher expected damage per building than 83% of U.S. towns, #981 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (98%). Flood insurance has paid 10 claims here since 1979.
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 Reserve 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 Reserve Township’s grade
River and rain flooding is 98% of the building damage FEMA expects in Reserve Township, and Reserve Township’s rate of river and rain flooding damage is in the top 8% of U.S. census tracts.
C− #981 of 1,037 in Pennsylvania; higher expected damage per building than 83% of U.S. towns (21,298).
Reserve Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Pennsylvania town has lower expected damage than 71% of U.S. towns; within the state, Reserve Township has more expected damage per building than 95% of Pennsylvania towns.
In dollars, FEMA expects about $1.1M a year in losses across Reserve Township: $1.0M to buildings, the rest to people and crops.
Does Reserve Township flood? Sometimes: 10 flood claims since 1979
Every paid claim on a federal flood insurance policy in Reserve Township, from FEMA’s records: 6.3 per 1,000 homes, more than 65% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Ivan4 claims · $18K
Reserve 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: Allegheny County.The storms Reserve Township remembers
None of the 15 disasters declared for Allegheny County shows FEMA aid or repair money reaching Reserve Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20044 flood claims paidThe year of Tropical Depression Ivan, declared for Allegheny County
- 20022 flood claims paidNo declaration for the county that year
- 19791 flood claims paidNo declaration for the county that year
Allegheny 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.
Old photos of Reserve Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Reserve Township archive →Reserve Township and its neighbors
Reserve Township is 4th 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 |
|---|---|---|---|
| Ross Township | Aless damage than 94% | river and rain flooding | 169 |
| Shaler Township | A−less damage than 84% | river and rain flooding | 228 |
| Pittsburgh | Cmore damage than 69% | river and rain flooding | 447 |
| Reserve Township | C−more damage than 83% | river and rain flooding | 10 |
| Millvale | Dmore damage than 88% | river and rain flooding | 252 |
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 Reserve 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 Reserve Township
Is Reserve Township at risk for natural disasters?
On FEMA’s National Risk Index, Reserve Township has higher expected damage per building than 83% of U.S. towns: C− for hazard risk, #981 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (98%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Reserve Township flood?
Flood insurance has paid 10 claims in Reserve Township since 1979, $33K in all, or 6.3 per 1,000 homes, more than 65% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Tropical Storm Ivan (4).
Is Reserve 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 Allegheny County, 28% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Reserve Township?
FEMA’s Community Rating System list shows no discount for Reserve 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 Reserve Township?
By flood claims, Tropical Storm Ivan: 4 paid, $18K.
Is Reserve Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (98%), and Reserve Township’s rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Reserve Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Reserve 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.