On FEMA’s figures, Rome Township faces more hazard damage per building than 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Rome Township gets a D for hazard risk: higher expected damage per building than 87% of U.S. towns. Most of that expected damage is river and rain flooding (97%). Flood insurance has paid 48 claims here since 1993.
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 Rome 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 Rome Township’s grade
River and rain flooding is 97% of the building damage FEMA expects in Rome Township, and Rome Township’s rate of river and rain flooding damage is in the top 6% of U.S. census tracts.
D higher expected damage per building than 87% of U.S. towns (21,298).
All of Rome Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $544K a year in losses across Rome Township: $480K to buildings, the rest to people and crops.
Does Rome Township flood? Sometimes: 48 flood claims since 1993
Every paid claim on a federal flood insurance policy in Rome Township, from FEMA’s records: 82.6 per 1,000 homes, more than 95% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee15 claims · $774K
- Tropical Storm Ivan4 claims · $56K
Rome 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: Bradford County.The storms Rome Township remembers
None of the 17 disasters declared for Bradford County shows FEMA aid or repair money reaching Rome Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 201115 flood claims paidThe year of Tropical Storm Lee, declared for Bradford County
- 201710 flood claims paidNo declaration for the county that year
- 20186 flood claims paidThe year of Severe Storms and Flooding, declared for Bradford County
Bradford County has had 17 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 Rome Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Rome Township archive →Rome Township and its neighbors
Rome Township is 5th 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 |
|---|---|---|---|
| Orwell Township | Cmore damage than 66% | river and rain flooding | 12 |
| Wysox Township | Cmore damage than 72% | river and rain flooding | 24 |
| Sheshequin Township | Dmore damage than 87% | river and rain flooding | 51 |
| Litchfield Township | Dmore damage than 87% | river and rain flooding | 1 |
| Rome Township | Dmore damage than 87% | river and rain flooding | 48 |
| Windham Township | — | 768 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 Rome 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 Rome Township
Is Rome Township at risk for natural disasters?
On FEMA’s National Risk Index, Rome Township has higher expected damage per building than 87% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (97%). 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 Rome Township flood?
Flood insurance has paid 48 claims in Rome Township since 1993, $1.6M in all, or 82.6 per 1,000 homes, more than 95% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Lee (15).
Is Rome 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 Bradford County, 26% of homes in mapped flood zones carry federal flood insurance, and 1.6% of all homes do.
How much is flood insurance in Rome Township?
FEMA’s Community Rating System list shows no discount for Rome 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 Rome Township?
By flood claims, Tropical Storm Lee: 15 paid, $774K.
Is Rome Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (97%), and Rome Township’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Rome Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Rome 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.