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Village of Indian OrchardPhoto: Adam Moss from Highland Park, NJ, United States · CC BY-SA 2.0
BHazard risk
Natural hazards in Texas Township · FEMA

On FEMA’s figures, Texas Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Texas Township gets a B for hazard risk: lower expected damage per building than 58% of U.S. towns. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 2 claims here since 2006.

River and rain flooding 86%Hurricanes 8%Strong wind 2%

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 58%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 58% of U.S. towns
Main hazard
River and rain flooding
86% of expected building damage
Flood claims
2
paid since 2006 · $29K
Flood claims per home
2 per 1,000
fewer than 63% of U.S. towns
By hazard

What Texas 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

86%of expected building damage
Above average · higher than 64% of U.S. census tracts
Recorded about once a year in the area

Hurricanes

8%of expected building damage
Above average · higher than 78% of U.S. census tracts
Smaller shares here
 Strong wind Tornadoes Earthquakes Ice storms Winter storms Hail Lightning Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 8% of Texas Township’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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 Texas Township’s grade

River and rain flooding is 86% of the building damage FEMA expects in Texas Township, and Texas Township’s rate of river and rain flooding damage is higher than 64% of U.S. census tracts. Next is hurricanes at 8% (higher than 78% of U.S. census tracts).

Where Texas Township sits
Texas Township
Least damageMiddleMost damage

B lower expected damage per building than 58% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding86%Hurricanes8%Everything else6%

In dollars, FEMA expects about $775K a year in losses across Texas Township: $630K to buildings, the rest to people and crops.

Shared tract.All of Texas Township’s 2,287 residents (2020 census) live in one census tract, which it shares with Cherry Ridge township (1,913 residents) and White Mills CDP (585 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 Texas Township flood? Rarely: 2 flood claims since 2006

Every paid claim on a federal flood insurance policy in Texas Township, from FEMA’s records: 1.9 per 1,000 homes, fewer than 63% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2006: 2 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: 0 claims2006
20062026
2
paid claims since 2006
$29K
paid to owners
0
homes flooded more than once
$15K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Texas 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: Wayne County.
Disasters

The storms Texas Township remembers

None of the 21 disasters declared for Wayne County shows FEMA aid or repair money reaching Texas Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20062 flood claims paidThe year of Severe Storms and Flooding, declared for Wayne County
Disasters declared, by decade
Paid out in Texas TownshipWayne County only

Wayne County has had 21 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.

Were you here?

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

Add to the Texas Township archive →
Next door

Texas Township and its neighbors

Texas Township is 3rd of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Honesdale: hazard risk C−Prompton: not gradedBerlin Township: hazard risk B−Cherry Ridge Township: hazard risk BWhite Mills: not gradedCanaan Township: hazard risk AHonesdalePromptonBerlin TownshipCherry Ridge TownshipWhite MillsCanaan TownshipTexas Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Canaan TownshipAless damage than 92%river and rain flooding2
Cherry Ridge TownshipBless damage than 58%river and rain flooding1
Texas TownshipBless damage than 58%river and rain flooding2
Berlin TownshipB−less damage than 51%river and rain flooding2
HonesdaleC−more damage than 83%river and rain flooding15
Prompton—248 residents; we grade 1,000+
White Mills—703 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 Texas 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 ↗
Hurricane season
  • 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.
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 Texas Township

Is Texas Township at risk for natural disasters?

On FEMA’s National Risk Index, Texas Township has lower expected damage per building than 58% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (86%) and hurricanes (8%). 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 Texas Township flood?

Flood insurance has paid 2 claims in Texas Township since 2006, $29K in all, or 1.9 per 1,000 homes, fewer than 63% of U.S. towns with a flood insurance record.

Is Texas 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 Wayne County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Texas Township?

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

Is Texas Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (86%), and Texas Township’s rate for it is higher than 64% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Texas Township.

Town Square →
Start the conversation

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