Less hazard damage per building is expected in White Township than in 96% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, White Township gets an A+ for hazard risk: lower expected damage per building than 96% of U.S. towns. Most of that expected damage is river and rain flooding (88%). Flood insurance has paid 38 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 White Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What White 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 White Township’s grade
River and rain flooding is 88% of the building damage FEMA expects in White Township, and White Township’s rate of river and rain flooding damage is lower than 76% of U.S. census tracts.
A+ lower expected damage per building than 96% of U.S. towns (21,298).
All of White Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $152K a year in losses across White Township: $132K to buildings, the rest to people and crops.
Does White Township flood? Sometimes: 38 flood claims since 1978
Every paid claim on a federal flood insurance policy in White Township, from FEMA’s records: 65.6 per 1,000 homes, more than 94% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Ivan3 claims · $15K
White 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: Beaver County.The storms White Township remembers
None of the 12 disasters declared for Beaver County shows FEMA aid or repair money reaching White Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 201716 flood claims paidNo declaration for the county that year
- 20124 flood claims paidThe year of Hurricane Sandy, declared for Beaver County
- 19823 flood claims paidNo declaration for the county that year
Beaver County has had 12 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of White Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the White Township archive →White Township and its neighbors
White Township is 3rd 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 |
|---|---|---|---|
| Chippewa Township | A+less damage than 97% | river and rain flooding | 1 |
| West Mayfield | A+less damage than 96% | river and rain flooding | — |
| White Township | A+less damage than 96% | river and rain flooding | 38 |
| Patterson Township | Bless damage than 63% | river and rain flooding | 1 |
| Beaver Falls | Bless damage than 59% | river and rain flooding | 5 |
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 White 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 White Township
Is White Township at risk for natural disasters?
On FEMA’s National Risk Index, White Township has lower expected damage per building than 96% of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (88%). 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 White Township flood?
Flood insurance has paid 38 claims in White Township since 1978, $501K in all, or 65.6 per 1,000 homes, more than 94% of U.S. towns with a flood insurance record. 7 properties have flooded more than once. The most claims came from Tropical Storm Ivan (3).
Is White 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 Beaver County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in White Township?
FEMA’s Community Rating System list shows no discount for White 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 White Township?
By flood claims, Tropical Storm Ivan: 3 paid, $15K.
Is White Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (88%), and White Township’s rate for it is lower than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in White Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where White 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.