Photo: Shuvaev · CC BY-SA 3.0On FEMA’s figures, Upper Tulpehocken Township faces less hazard damage per building than 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Upper Tulpehocken Township gets an A for hazard risk: lower expected damage per building than 86% of U.S. towns. Most of that expected damage is river and rain flooding (77%), then hurricanes (10%). FEMA’s files show no paid flood insurance claims here.
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 Tulpehocken 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
Tornadoes
Earthquakes
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 Tulpehocken Township’s grade
River and rain flooding is 77% of the building damage FEMA expects in Upper Tulpehocken Township, and Upper Tulpehocken Township’s rate of river and rain flooding damage is lower than 69% of U.S. census tracts. Next is hurricanes at 10% (higher than 73% of U.S. census tracts).
A lower expected damage per building than 86% of U.S. towns (21,298).
All of Upper Tulpehocken Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $655K a year in losses across Upper Tulpehocken Township: $476K to buildings, the rest to people and crops.
Does Upper Tulpehocken Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Upper Tulpehocken Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Upper Tulpehocken 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: Berks County.The storms Upper Tulpehocken Township remembers
None of the 19 disasters declared for Berks County shows FEMA aid or repair money reaching Upper Tulpehocken Township itself in FEMA’s records, so these are its biggest flood-claim years.
Berks County has had 19 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.
Upper Tulpehocken Township and its neighbors
Upper Tulpehocken Township is 2nd of the 8 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 |
|---|---|---|---|
| Bethel Township | Aless damage than 86% | river and rain flooding | 3 |
| Upper Tulpehocken Township | Aless damage than 86% | river and rain flooding | 0 |
| Upper Bern Township | A−less damage than 83% | river and rain flooding | 2 |
| Wayne Township | A−less damage than 83% | river and rain flooding | 2 |
| Penn Township | B+less damage than 69% | river and rain flooding | — |
| Tulpehocken Township | Bless damage than 63% | river and rain flooding | — |
| Jefferson Township | Bless damage than 58% | river and rain flooding | 1 |
| South Manheim Township | B−less damage than 53% | river and rain flooding | 6 |
| Shartlesville | — | 387 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 Tulpehocken 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Tulpehocken Township
Is Upper Tulpehocken Township at risk for natural disasters?
On FEMA’s National Risk Index, Upper Tulpehocken Township has lower expected damage per building than 86% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (77%) and hurricanes (10%). 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.
Is Upper Tulpehocken 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 Berks County, 34% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Upper Tulpehocken Township?
FEMA’s Community Rating System list shows no discount for Upper Tulpehocken Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Upper Tulpehocken Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Upper Tulpehocken Township’s rate for it is lower than 69% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Upper Tulpehocken Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Upper Tulpehocken 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.