Keefer Station Covered Bridge · Photo: Ruhrfisch · CC BY-SA 4.0On FEMA’s figures, Upper Augusta 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, Upper Augusta Township gets a C+ for hazard risk: higher expected damage per building than 59% of U.S. towns. Most of that expected damage is river and rain flooding (90%). Flood insurance has paid 106 claims here since 1978.
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 Upper Augusta Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Upper Augusta 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
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.
What’s behind Upper Augusta Township’s grade
River and rain flooding is 90% of the building damage FEMA expects in Upper Augusta Township, and Upper Augusta Township’s rate of river and rain flooding damage is higher than 78% of U.S. census tracts. Next is hurricanes at 5% (higher than 72% of U.S. census tracts).
C+ higher expected damage per building than 59% of U.S. towns (21,298).
All of Upper Augusta Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $920K a year in losses across Upper Augusta Township: $782K to buildings, the rest to people and crops.
Does Upper Augusta Township flood? Yes: 106 flood claims since 1978
Every paid claim on a federal flood insurance policy in Upper Augusta Township, from FEMA’s records: 100.2 per 1,000 homes, more than 96% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee34 claims · $1.3M
- Tropical Storm Ivan13 claims · $278K
Upper Augusta 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 Upper Augusta Township remembers
None of the 15 disasters declared for Northumberland County shows FEMA aid or repair money reaching Upper Augusta Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 201137 flood claims paidThe year of Tropical Storm Lee, declared for Northumberland County
- 199621 flood claims paidThe year of Severe Storms and Flooding, declared for Northumberland County
- 200414 flood claims paidThe year of Tropical Depression Ivan, declared for Northumberland County
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 Upper Augusta Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Upper Augusta Township archive →Upper Augusta Township and its neighbors
Upper Augusta Township is 5th of the 7 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 |
|---|---|---|---|
| Monroe Township | B−more damage than 53% | river and rain flooding | 208 |
| Shamokin Dam | B−more damage than 53% | river and rain flooding | 38 |
| Rockefeller Township | C+more damage than 59% | river and rain flooding | 12 |
| Lower Augusta Township | C+more damage than 59% | river and rain flooding | 5 |
| Upper Augusta Township | C+more damage than 59% | river and rain flooding | 106 |
| Point Township | C+more damage than 64% | river and rain flooding | 200 |
| Rush Township | C−more damage than 77% | river and rain flooding | 30 |
| Hummels Wharf | — | 876 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 Upper Augusta 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.
- 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 Upper Augusta Township
Is Upper Augusta Township at risk for natural disasters?
On FEMA’s National Risk Index, Upper Augusta Township has higher expected damage per building than 59% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (90%) and hurricanes (5%). 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 Upper Augusta Township flood?
Flood insurance has paid 106 claims in Upper Augusta Township since 1978, $2.3M in all, or 100.2 per 1,000 homes, more than 96% of U.S. towns with a flood insurance record. 18 properties have flooded more than once. The most claims came from Tropical Storm Lee (34).
Is Upper Augusta 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 Upper Augusta Township?
FEMA’s Community Rating System list shows no discount for Upper Augusta 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 Upper Augusta Township?
By flood claims, Tropical Storm Lee: 34 paid, $1.3M.
Is Upper Augusta Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Upper Augusta Township’s rate for it is higher than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Upper Augusta Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Upper Augusta 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.