Isaac A. Packer Farm · Photo: Joseph Elliott · Public domainFEMA puts Woodward Township’s expected hazard damage per building above that of 70% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Woodward Township gets a C for hazard risk: higher expected damage per building than 70% of U.S. towns. Most of that expected damage is river and rain flooding (94%). 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 Woodward 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 Woodward Township’s grade
River and rain flooding is 94% of the building damage FEMA expects in Woodward Township, and Woodward Township’s rate of river and rain flooding damage is higher than 85% of U.S. census tracts.
C higher expected damage per building than 70% of U.S. towns (21,298).
All of Woodward Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $897K a year in losses across Woodward Township: $743K to buildings, the rest to people and crops.
Does Woodward Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Woodward Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Woodward 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 Woodward Township remembers
None of the 12 disasters declared for Clinton County shows FEMA aid or repair money reaching Woodward Township itself in FEMA’s records, so these are its biggest flood-claim years.
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.
Woodward Township and its neighbors
Woodward Township is 3rd 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 |
|---|---|---|---|
| Lock Haven | Aless damage than 94% | river and rain flooding | 97 |
| Castanea Township | B−less damage than 53% | river and rain flooding | — |
| Woodward Township | Cmore damage than 70% | river and rain flooding | 0 |
| Bald Eagle Township | C−more damage than 78% | river and rain flooding | 119 |
| Allison Township | — | 271 residents; we grade 1,000+ | |
| Dunnstown | — | a Census area inside a town; graded with the town | |
| Gallagher Township | — | 516 residents; we grade 1,000+ | |
| Dunnstable Township | — | not graded yet | |
| Colebrook Township | — | 153 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 Woodward 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 Woodward Township
Is Woodward Township at risk for natural disasters?
On FEMA’s National Risk Index, Woodward Township has higher expected damage per building than 70% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (94%). 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 Woodward 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 Woodward Township?
FEMA’s Community Rating System list shows no discount for Woodward Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Woodward Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Woodward Township’s rate for it is higher than 85% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Woodward Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Woodward 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.