Photo: User:Dough4872 · CC BY-SA 3.0FEMA expects less hazard damage per building in Warminster Township than in 92% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Warminster Township gets an A for hazard risk: lower expected damage per building than 92% of U.S. towns, #181 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (70%), then earthquakes (12%). Flood insurance has paid 61 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 Warminster Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Warminster 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
Earthquakes
Hurricanes
Tornadoes
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 Warminster Township’s grade
River and rain flooding is 70% of the building damage FEMA expects in Warminster Township, and Warminster Township’s rate of river and rain flooding damage is lower than 82% of U.S. census tracts. Ice storms add 4%, at a rate in the top 9% of U.S. census tracts.
A #181 of 1,037 in Pennsylvania; lower expected damage per building than 92% of U.S. towns (21,298).
Warminster Township’s residents live in 8 census tracts; FEMA’s figures are combined by where they live.
The typical Pennsylvania town has lower expected damage than 71% of U.S. towns; within the state, Warminster Township has less expected damage per building than 83% of Pennsylvania towns.
In dollars, FEMA expects about $6.7M a year in losses across Warminster Township: $4.9M to buildings, the rest to people and crops.
Does Warminster Township flood? Sometimes: 61 flood claims since 1978
Every paid claim on a federal flood insurance policy in Warminster Township, from FEMA’s records: 4.2 per 1,000 homes, more than 56% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ida12 claims · $256K
- Hurricane Irene11 claims · $252K
- Tropical Storm Allison7 claims · $159K
Warminster 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: Bucks County.5 federal disasters brought FEMA money to Warminster Township
Disasters that paid out in Warminster Township itself (aid to households or repair grants to Warminster Township), newest first, with that year’s flood claims.
- 2021Remnants of Hurricane Ida153 households applied for aid$325K aid approved12 flood claims paid for it, $256K
- 2011Tropical Storm Lee21 households applied for aid$25K aid approved2 flood claims paid for it, $6K
- 2011Hurricane Irene103 households applied for aid$228K aid approved11 flood claims paid for it, $252K
- 2006Severe Storms, Flooding, and Mudslides4 households applied for aid$10K aid approved1 flood claim paid that year
- 2004Tropical Depression Ivan3 households applied for aid$13K aid approved
Bucks County has had 21 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 Warminster Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Warminster Township archive →Warminster Township and its neighbors
Warminster Township has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Warminster Township | Aless damage than 92% | river and rain flooding | 61 |
| Warrington Township | Aless damage than 91% | river and rain flooding | 119 |
| Upper Southampton Township | Aless damage than 90% | river and rain flooding | 70 |
| Upper Moreland Township | Aless damage than 87% | river and rain flooding | 138 |
| Ivyland | — | 914 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 Warminster 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- 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 Warminster Township
Is Warminster Township at risk for natural disasters?
On FEMA’s National Risk Index, Warminster Township has lower expected damage per building than 92% of U.S. towns: A for hazard risk, #181 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (70%) and earthquakes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Warminster Township flood?
Flood insurance has paid 61 claims in Warminster Township since 1978, $1.0M in all, or 4.2 per 1,000 homes, more than 56% of U.S. towns with a flood insurance record. 9 properties have flooded more than once. The most claims came from Hurricane Ida (12).
Is Warminster 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 Bucks County, 49% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.
How much is flood insurance in Warminster Township?
FEMA’s Community Rating System list shows no discount for Warminster 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 Warminster Township?
By FEMA money that reached Warminster Township, Remnants of Hurricane Ida (2021): 153 households applied for aid, $325K approved. By flood claims, Hurricane Ida: 12 paid, $256K.
Is Warminster Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Warminster Township’s rate for it is lower than 82% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Warminster Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Warminster 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.