Photo: Schoeneck (Uploads) · Public domainStorms, floods and disasters in Schoeneck
Schoeneck isn’t graded for hazard risk: Schoeneck is a Census area inside a town, graded with the town. Flood insurance has paid 2 claims here since 2018.
What Schoeneck 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
Hurricanes
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.
Does Schoeneck flood? Rarely: 2 flood claims since 2018
Every paid claim on a federal flood insurance policy in Schoeneck, from FEMA’s records.
Schoeneck isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lancaster County.The storms Schoeneck remembers
None of the 18 disasters declared for Lancaster County shows FEMA aid or repair money reaching Schoeneck itself in FEMA’s records, so these are its biggest flood-claim years.
- 20181 flood claims paidNo declaration for the county that year
- 20251 flood claims paidNo declaration for the county that year
Lancaster County has had 18 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.
Old photos of Schoeneck after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Schoeneck archive →Get ready for what Schoeneck 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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 Schoeneck
Does Schoeneck flood?
Flood insurance has paid 2 claims in Schoeneck since 2018, $27K in all.
Is Schoeneck 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 Lancaster County, 27% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Schoeneck?
FEMA’s Community Rating System list shows no discount for Schoeneck’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Schoeneck.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Schoeneck’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.