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Bradford County CourthouseBradford County Courthouse · Photo: Doug Kerr from Albany, NY, United States · CC BY-SA 2.0
CHazard risk
Natural hazards in Wysox Township · FEMA

FEMA puts Wysox Township’s expected hazard damage per building above that of 72% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Wysox Township gets a C for hazard risk: higher expected damage per building than 72% of U.S. towns. Most of that expected damage is river and rain flooding (95%). Flood insurance has paid 24 claims here since 1993.

River and rain flooding 95%Hurricanes 2%Tornadoes 1%

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

more than 72%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C
in Pennsylvania · higher than 72% of U.S. towns
Main hazard
River and rain flooding
95% of expected building damage
Flood claims
24
paid since 1993 · $586K
Flooded more than once
3
properties
Disasters paid out here
4
of 17 declared for Bradford County

What stands out about Wysox Township’s natural hazards

From FEMA’s model and FEMA’s records, below.

Moved out of harm’s way1 flood-prone property bought out and cleared with FEMA grants.Remembers 20117 flood claims were paid for 2011 alone, the most of any year.
By hazard

What Wysox 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

95%of expected building damage
Well above average · higher than 86% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Hurricanes Tornadoes Earthquakes Strong wind Ice storms Hail Wildfire Winter storms Cold waves Heat waves Landslides Lightning Avalanches top 1%
FEMA models no building damage here
Coastal floodingTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Wysox Township’s grade

River and rain flooding is 95% of the building damage FEMA expects in Wysox Township, and Wysox Township’s rate of river and rain flooding damage is higher than 86% of U.S. census tracts.

Where Wysox Township sits
Wysox Township
Least damageMiddleMost damage

C higher expected damage per building than 72% of U.S. towns (21,298).

All of Wysox Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding95%Everything else5%

In dollars, FEMA expects about $910K a year in losses across Wysox Township: $819K to buildings, the rest to people and crops.

Shared tract.All of Wysox Township’s 1,573 residents (2020 census) live in one census tract, which it shares with North Towanda township (1,051 residents) and Towanda township (1,036 residents) and Asylum township (1,001 residents) and North Towanda CDP (632 residents) and Standing Stone township (623 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Wysox Township flood? Sometimes: 24 flood claims since 1993

Every paid claim on a federal flood insurance policy in Wysox Township, from FEMA’s records: 34.9 per 1,000 homes, more than 90% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1993: 1 claim1994: 0 claims1995: 0 claims1996: 4 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 3 claims2005: 2 claims2006: 1 claim2007: 0 claims2008: 0 claims2009: 0 claims2010: 1 claim2011: 7 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 3 claims2019: 2 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199620042011
19932026
Biggest named events
  • Tropical Storm Lee6 claims · $234K
  • Tropical Storm Ivan3 claims · $94K
24
paid claims since 1993
$586K
paid to owners
3
homes flooded more than once
$24K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Wysox 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: Bradford County.
What’s been done with FEMA grants
1flood-prone property bought out and cleared
Disasters

4 federal disasters brought FEMA money to Wysox Township

Disasters that paid out in Wysox Township itself (aid to households or repair grants to Wysox Township), newest first, with that year’s flood claims.

  1. 2011Tropical Storm Lee92 households applied for aid$552K aid approved6 flood claims paid for it, $234K
  2. 2006Severe Storms, Flooding, and Mudslides4 households applied for aid$7K aid approved1 flood claim paid that year
  3. 2005Severe Storms and Flooding4 households applied for aid$7K aid approved2 flood claims paid that year
  4. 2004Tropical Depression Ivan13 households applied for aid$32K aid approved3 flood claims paid for it, $94K
Disasters declared, by decade
Paid out in Wysox TownshipBradford County only

Bradford 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.

Were you here?

Old photos of Wysox Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Wysox Township archive →
Next door

Wysox Township and its neighbors

Wysox Township is 4th of the 7 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Asylum Township: hazard risk CTowanda Township: hazard risk CNorth Towanda Township: hazard risk CTowanda: hazard risk C−Sheshequin Township: hazard risk DStanding Stone Township: not gradedRome Township: hazard risk DHerrick Township: not gradedAsylum TownshipTowanda TownshipNorth Towanda TownshipTowandaSheshequin TownshipStanding Stone TownshipRome TownshipHerrick TownshipWysox Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Asylum TownshipCmore damage than 72%river and rain flooding26
Towanda TownshipCmore damage than 72%river and rain flooding10
North Towanda TownshipCmore damage than 72%river and rain flooding5
Wysox TownshipCmore damage than 72%river and rain flooding24
TowandaC−more damage than 79%river and rain flooding12
Sheshequin TownshipDmore damage than 87%river and rain flooding51
Rome TownshipDmore damage than 87%river and rain flooding48
Standing Stone Township—771 residents; we grade 1,000+
Herrick Township—668 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.

Be ready

Get ready for what Wysox 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.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Wysox Township

Is Wysox Township at risk for natural disasters?

On FEMA’s National Risk Index, Wysox Township has higher expected damage per building than 72% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (95%). 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 Wysox Township flood?

Flood insurance has paid 24 claims in Wysox Township since 1993, $586K in all, or 34.9 per 1,000 homes, more than 90% of U.S. towns with a flood insurance record. 3 properties have flooded more than once. The most claims came from Tropical Storm Lee (6).

Is Wysox 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 Bradford County, 26% of homes in mapped flood zones carry federal flood insurance, and 1.6% of all homes do.

How much is flood insurance in Wysox Township?

FEMA’s Community Rating System list shows no discount for Wysox 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 Wysox Township?

By FEMA money that reached Wysox Township, Tropical Storm Lee (2011): 92 households applied for aid, $552K approved. By flood claims, Tropical Storm Lee: 6 paid, $234K.

Is Wysox Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (95%), and Wysox Township’s rate for it is higher than 86% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Wysox Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wysox 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.