On FEMA’s figures, Wayne 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, Wayne Township gets a B− for hazard risk: lower expected damage per building than 53% of U.S. towns. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 33 claims here since 1983.
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 Wayne 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 Wayne Township’s grade
River and rain flooding is 92% of the building damage FEMA expects in Wayne Township, and Wayne Township’s rate of river and rain flooding damage is higher than 72% of U.S. census tracts.
B− lower expected damage per building than 53% of U.S. towns (21,298).
All of Wayne Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $366K a year in losses across Wayne Township: $277K to buildings, the rest to people and crops.
Does Wayne Township flood? Sometimes: 33 flood claims since 1983
Every paid claim on a federal flood insurance policy in Wayne Township, from FEMA’s records: 63.2 per 1,000 homes, more than 94% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Ivan12 claims · $307K
Wayne 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: Clinton County.The storms Wayne Township remembers
None of the 12 disasters declared for Clinton County shows FEMA aid or repair money reaching Wayne Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 198412 flood claims paidNo declaration for the county that year
- 200412 flood claims paidThe year of Tropical Depression Ivan, declared for Clinton County
- 19964 flood claims paidThe year of Severe Storms and Flooding, declared for Clinton County
Clinton County has had 12 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.
Old photos of Wayne Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Wayne Township archive →Wayne Township and its neighbors
Wayne Township is 2nd of the 5 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 |
|---|---|---|---|
| Castanea Township | B−less damage than 53% | river and rain flooding | — |
| Wayne Township | B−less damage than 53% | river and rain flooding | 33 |
| Greene Township | C+more damage than 60% | river and rain flooding | 62 |
| Lamar Township | Cmore damage than 74% | river and rain flooding | 76 |
| Pine Creek Township | C−more damage than 77% | river and rain flooding | 77 |
| Dunnstable Township | — | not graded yet | |
| Crawford Township | — | 835 residents; we grade 1,000+ | |
| McElhattan | — | a Census area inside a town; graded with the town | |
| Nippenose Township | — | 565 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 Wayne 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 Wayne Township
Is Wayne Township at risk for natural disasters?
On FEMA’s National Risk Index, Wayne Township has lower expected damage per building than 53% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (92%). 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 Wayne Township flood?
Flood insurance has paid 33 claims in Wayne Township since 1983, $374K in all, or 63.2 per 1,000 homes, more than 94% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Ivan (12).
Is Wayne 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 Clinton County, 15% of homes in mapped flood zones carry federal flood insurance, and 2.2% of all homes do.
How much is flood insurance in Wayne Township?
FEMA’s Community Rating System list shows no discount for Wayne 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 Wayne Township?
By flood claims, Tropical Storm Ivan: 12 paid, $307K.
Is Wayne Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Wayne Township’s rate for it is higher than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Wayne Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wayne 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.