Photo: Jakec · CC BY-SA 4.0FEMA expects more hazard damage per building in Wolf Township than in 84% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Wolf Township gets a C− for hazard risk: higher expected damage per building than 84% of U.S. towns, #992 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (96%). Flood insurance has paid 14 claims here since 1996.
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 Wolf 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 Wolf Township’s grade
River and rain flooding is 96% of the building damage FEMA expects in Wolf Township, and Wolf Township’s rate of river and rain flooding damage is in the top 7% of U.S. census tracts.
C− #992 of 1,037 in Pennsylvania; higher expected damage per building than 84% of U.S. towns (21,298).
All of Wolf 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, Wolf Township has more expected damage per building than 96% of Pennsylvania towns.
In dollars, FEMA expects about $1.4M a year in losses across Wolf Township: $1.2M to buildings, the rest to people and crops.
Does Wolf Township flood? Sometimes: 14 flood claims since 1996
Every paid claim on a federal flood insurance policy in Wolf Township, from FEMA’s records: 10.2 per 1,000 homes, more than 74% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee13 claims · $305K
Wolf 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: Lycoming County.The storms Wolf Township remembers
None of the 17 disasters declared for Lycoming County shows FEMA aid or repair money reaching Wolf Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 201113 flood claims paidThe year of Tropical Storm Lee, declared for Lycoming County
- 19961 flood claims paidThe year of Severe Storms and Flooding, declared for Lycoming County
Lycoming County has had 17 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 Wolf Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Wolf Township archive →Wolf Township and its neighbors
Wolf Township is 4th of the 4 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 |
|---|---|---|---|
| Moreland Township | Bless damage than 61% | river and rain flooding | 11 |
| Muncy Township | C−more damage than 81% | river and rain flooding | 3 |
| Muncy Creek Township | C−more damage than 81% | river and rain flooding | 162 |
| Wolf Township | C−more damage than 84% | river and rain flooding | 14 |
| Mill Creek Township | — | 460 residents; we grade 1,000+ | |
| Picture Rocks | — | 716 residents; we grade 1,000+ | |
| Penn Township | — | 774 residents; we grade 1,000+ | |
| Shrewsbury Township | — | 437 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 Wolf 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 Wolf Township
Is Wolf Township at risk for natural disasters?
On FEMA’s National Risk Index, Wolf Township has higher expected damage per building than 84% of U.S. towns: C− for hazard risk, #992 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (96%). 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 Wolf Township flood?
Flood insurance has paid 14 claims in Wolf Township since 1996, $307K in all, or 10.2 per 1,000 homes, more than 74% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Lee (13).
Is Wolf 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 Lycoming County, 16% of homes in mapped flood zones carry federal flood insurance, and 1.7% of all homes do.
How much is flood insurance in Wolf Township?
FEMA’s Community Rating System list shows no discount for Wolf 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 Wolf Township?
By flood claims, Tropical Storm Lee: 13 paid, $305K.
Is Wolf Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (96%), and Wolf Township’s rate for it is in the top 7% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Wolf Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wolf 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.