Photo: Nicholas · CC BY 2.0More hazard damage per building is expected in Turbot Township than in 69% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Turbot Township gets a C for hazard risk: higher expected damage per building than 69% of U.S. towns. Most of that expected damage is river and rain flooding (94%). Flood insurance has paid 108 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 stands out about Turbot Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Turbot 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 Turbot Township’s grade
River and rain flooding is 94% of the building damage FEMA expects in Turbot Township, and Turbot Township’s rate of river and rain flooding damage is higher than 85% of U.S. census tracts.
C higher expected damage per building than 69% of U.S. towns (21,298).
All of Turbot Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $724K a year in losses across Turbot Township: $634K to buildings, the rest to people and crops.
Does Turbot Township flood? Yes: 108 flood claims since 1979
Every paid claim on a federal flood insurance policy in Turbot Township, from FEMA’s records: 152.3 per 1,000 homes, more than 98% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee16 claims · $1.1M
- Tropical Storm Ivan12 claims · $680K
Turbot 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: Northumberland County.The storms Turbot Township remembers
None of the 15 disasters declared for Northumberland County shows FEMA aid or repair money reaching Turbot Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 198422 flood claims paidNo declaration for the county that year
- 201120 flood claims paidThe year of Tropical Storm Lee, declared for Northumberland County
- 197917 flood claims paidNo declaration for the county that year
Northumberland County has had 15 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Turbot Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Turbot Township archive →Turbot Township and its neighbors
Turbot Township is 2nd of the 6 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 |
|---|---|---|---|
| Lewis Township | Cmore damage than 69% | river and rain flooding | 51 |
| Turbot Township | Cmore damage than 69% | river and rain flooding | 108 |
| West Chillisquaque Township | Cmore damage than 72% | river and rain flooding | 155 |
| Milton | C−more damage than 78% | river and rain flooding | 378 |
| Delaware Township | C−more damage than 78% | river and rain flooding | 47 |
| White Deer Township | C−more damage than 84% | river and rain flooding | 64 |
| Limestone Township | — | not graded yet | |
| New Columbia | — | 766 residents; we grade 1,000+ | |
| East Chillisquaque Township | — | 617 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 Turbot 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 Turbot Township
Is Turbot Township at risk for natural disasters?
On FEMA’s National Risk Index, Turbot Township has higher expected damage per building than 69% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (94%). 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 Turbot Township flood?
Flood insurance has paid 108 claims in Turbot Township since 1979, $3.4M in all, or 152.3 per 1,000 homes, more than 98% of U.S. towns with a flood insurance record. 21 properties have flooded more than once. The most claims came from Tropical Storm Lee (16).
Is Turbot 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 Northumberland County, 15% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.
How much is flood insurance in Turbot Township?
FEMA’s Community Rating System list shows no discount for Turbot 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 Turbot Township?
By flood claims, Tropical Storm Lee: 16 paid, $1.1M.
Is Turbot Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Turbot Township’s rate for it is higher than 85% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Turbot Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Turbot 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.