Photo: Darowles · CC BY-SA 3.0FEMA expects less hazard damage per building in Sadsbury Township than in 83% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Sadsbury Township gets an A− for hazard risk: lower expected damage per building than 83% of U.S. towns, #359 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (88%). 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 Sadsbury 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 Sadsbury Township’s grade
River and rain flooding is 88% of the building damage FEMA expects in Sadsbury Township, and Sadsbury Township’s rate of river and rain flooding damage is lower than 56% of U.S. census tracts. Winter storms add 1%, at a rate in the top 6% of U.S. census tracts.
A− #359 of 1,037 in Pennsylvania; lower expected damage per building than 83% of U.S. towns (21,298).
Sadsbury 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, Sadsbury Township has less expected damage per building than 65% of Pennsylvania towns.
In dollars, FEMA expects about $951K a year in losses across Sadsbury Township: $875K to buildings, the rest to people and crops.
Does Sadsbury Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Sadsbury Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Sadsbury 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: Crawford County.The storms Sadsbury Township remembers
None of the 12 disasters declared for Crawford County shows FEMA aid or repair money reaching Sadsbury Township itself in FEMA’s records, so these are its biggest flood-claim years.
Crawford County has had 12 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.
Sadsbury Township and its neighbors
Sadsbury 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 |
|---|---|---|---|
| East Fallowfield Township | Aless damage than 92% | river and rain flooding | 4 |
| Greenwood Township | Aless damage than 92% | river and rain flooding | — |
| Summit Township | A−less damage than 85% | river and rain flooding | 12 |
| Sadsbury Township | A−less damage than 83% | river and rain flooding | 0 |
| Vernon Township | B+less damage than 71% | river and rain flooding | 15 |
| West Fallowfield Township | — | 701 residents; we grade 1,000+ | |
| Pine Township | — | 451 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 Sadsbury 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 Sadsbury Township
Is Sadsbury Township at risk for natural disasters?
On FEMA’s National Risk Index, Sadsbury Township has lower expected damage per building than 83% of U.S. towns: A− for hazard risk, #359 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (88%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Sadsbury 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 Crawford County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Sadsbury Township?
FEMA’s Community Rating System list shows no discount for Sadsbury Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Sadsbury Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (88%), and Sadsbury Township’s rate for it is lower than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Sadsbury Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sadsbury 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.