Photo: Jakec · CC BY-SA 4.0On FEMA’s figures, Upper Paxton 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 Paxton Township gets a B− for hazard risk: higher expected damage per building than 54% of U.S. towns, #790 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (88%). Flood insurance has paid 55 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 Upper Paxton 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 Paxton Township’s grade
River and rain flooding is 88% of the building damage FEMA expects in Upper Paxton Township, and Upper Paxton Township’s rate of river and rain flooding damage is higher than 73% of U.S. census tracts. Next is hurricanes at 7% (higher than 78% of U.S. census tracts).
B− #790 of 1,037 in Pennsylvania; higher expected damage per building than 54% of U.S. towns (21,298).
All of Upper Paxton Township’s residents live in one census tract; the figures are that tract’s.
The typical Pennsylvania town has lower expected damage than 71% of U.S. towns; within the state, Upper Paxton Township has more expected damage per building than 76% of Pennsylvania towns.
In dollars, FEMA expects about $1.7M a year in losses across Upper Paxton Township: $1.4M to buildings, the rest to people and crops.
Does Upper Paxton Township flood? Sometimes: 55 flood claims since 1979
Every paid claim on a federal flood insurance policy in Upper Paxton Township, from FEMA’s records: 30.4 per 1,000 homes, more than 88% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee17 claims · $364K
- Tropical Storm Ivan3 claims · $17K
- Hurricane Floyd1 claim · $25K
Upper Paxton 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: Dauphin County.The storms Upper Paxton Township remembers
None of the 17 disasters declared for Dauphin County shows FEMA aid or repair money reaching Upper Paxton Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 201117 flood claims paidThe year of Tropical Storm Lee, declared for Dauphin County
- 198112 flood claims paidNo declaration for the county that year
- 199611 flood claims paidThe year of Severe Storms and Flooding, declared for Dauphin County
Dauphin County has had 17 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 Upper Paxton Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Upper Paxton Township archive →Upper Paxton Township and its neighbors
Upper Paxton Township is 4th 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 |
|---|---|---|---|
| Washington Township | A−less damage than 78% | river and rain flooding | 9 |
| Jackson Township | B+less damage than 69% | river and rain flooding | — |
| Halifax Township | B+less damage than 66% | river and rain flooding | 24 |
| Upper Paxton Township | B−more damage than 54% | river and rain flooding | 55 |
| Lower Mahanoy Township | C+more damage than 65% | river and rain flooding | 6 |
| Buffalo Township | Cmore damage than 65% | river and rain flooding | 28 |
| Liverpool Township | Cmore damage than 72% | river and rain flooding | 32 |
| Liverpool | — | 850 residents; we grade 1,000+ | |
| Mifflin Township | — | 857 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 Paxton 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 Paxton Township
Is Upper Paxton Township at risk for natural disasters?
On FEMA’s National Risk Index, Upper Paxton Township has higher expected damage per building than 54% of U.S. towns: B− for hazard risk, #790 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (88%) and hurricanes (7%). 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 Paxton Township flood?
Flood insurance has paid 55 claims in Upper Paxton Township since 1979, $598K in all, or 30.4 per 1,000 homes, more than 88% of U.S. towns with a flood insurance record. 5 properties have flooded more than once. The most claims came from Tropical Storm Lee (17).
Is Upper Paxton 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 Dauphin County, 26% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.
How much is flood insurance in Upper Paxton Township?
FEMA’s Community Rating System list shows no discount for Upper Paxton 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 Paxton Township?
By flood claims, Tropical Storm Lee: 17 paid, $364K.
Is Upper Paxton Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (88%), and Upper Paxton Township’s rate for it is higher than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Upper Paxton Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Upper Paxton 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.