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BHazard risk
Natural hazards in Young Township · FEMA

Less hazard damage per building is expected in Young Township than in 60% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Young Township gets a B for hazard risk: lower expected damage per building than 60% of U.S. towns. Most of that expected damage is river and rain flooding (93%). Flood insurance has paid 22 claims here since 1996.

River and rain flooding 93%Tornadoes 2%Hurricanes 2%

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

less than 60%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B
in Pennsylvania · lower than 60% of U.S. towns
Main hazard
River and rain flooding
93% of expected building damage
Flood claims
22
paid since 1996 · $107K
Flooded more than once
2
properties
Flood claims per home
29 per 1,000
more than 88% of U.S. towns

What stands out about Young Township’s natural hazards

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

Lower expected damage than 60% of U.S. townsFEMA’s model of yearly storm and flood damage per dollar of building.Remembers 199611 flood claims were paid for 1996 alone, the most of any year.
By hazard

What Young 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

93%of expected building damage
Above average · higher than 67% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Tornadoes Hurricanes Strong wind Hail Earthquakes Wildfire Ice storms Winter storms Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic 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 Young Township’s grade

River and rain flooding is 93% of the building damage FEMA expects in Young Township, and Young Township’s rate of river and rain flooding damage is higher than 67% of U.S. census tracts.

Where Young Township sits
Young Township
Least damageMiddleMost damage

B lower expected damage per building than 60% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding93%Everything else7%

In dollars, FEMA expects about $448K a year in losses across Young Township: $377K to buildings, the rest to people and crops.

Shared tract.All of Young Township’s 1,688 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. 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 Young Township flood? Sometimes: 22 flood claims since 1996

Every paid claim on a federal flood insurance policy in Young Township, from FEMA’s records: 28.6 per 1,000 homes, more than 88% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1996: 11 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 7 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 1 claim2013: 3 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199620042013
19962026
Biggest named events
  • Tropical Storm Ivan4 claims · $13K
22
paid claims since 1996
$107K
paid to owners
2
homes flooded more than once
$5K
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

Young 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: Indiana County.
Disasters

The storms Young Township remembers

None of the 15 disasters declared for Indiana County shows FEMA aid or repair money reaching Young Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 199611 flood claims paidThe year of Severe Storms, Flooding, and Tornadoes, declared for Indiana County
  2. 20047 flood claims paidThe year of Tropical Depression Ivan, declared for Indiana County
  3. 20133 flood claims paidNo declaration for the county that year
Disasters declared, by decade
Paid out in Young TownshipIndiana County only

Indiana County has had 15 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Young Township archive →
Next door

Young Township and its neighbors

Young Township has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.

Black Lick Township: hazard risk C+Armstrong Township: hazard risk C−Jacksonville: not gradedConemaugh Township: hazard risk C+South Bend Township: not gradedBlack Lick TownshipArmstrong TownshipJacksonvilleConemaugh TownshipSouth Bend TownshipYoung Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Young TownshipBless damage than 60%river and rain flooding22
Black Lick TownshipC+more damage than 61%river and rain flooding2
Conemaugh TownshipC+more damage than 61%river and rain flooding47
Armstrong TownshipC−more damage than 79%river and rain flooding31
Jacksonville—680 residents; we grade 1,000+
South Bend Township—not graded yet

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 Young 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 Young Township

Is Young Township at risk for natural disasters?

On FEMA’s National Risk Index, Young Township has lower expected damage per building than 60% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (93%). 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 Young Township flood?

Flood insurance has paid 22 claims in Young Township since 1996, $107K in all, or 28.6 per 1,000 homes, more than 88% of U.S. towns with a flood insurance record. 2 properties have flooded more than once. The most claims came from Tropical Storm Ivan (4).

Is Young 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 Indiana County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Young Township?

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

By flood claims, Tropical Storm Ivan: 4 paid, $13K.

Is Young Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (93%), and Young Township’s rate for it is higher than 67% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Young Township.

Town Square →
Start the conversation

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