Monroe Township, Pennsylvania Flood Zones
Last updated: March 2026
Monroe Township faces flooding from Buffalo Creek and White Deer Creek in Union County. Heavy rainfall events cause these waterways to overflow and flood low-lying agricultural and residential areas.
Union County has recorded 927 NFIP flood insurance claims since 1978, totaling $11.7M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 3
NFIP Policies
330
Union County
Avg. Premium
$1,419/yr
Union County
FEMA Flood Risk Profile: Union County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively LowEst. annual loss: $11.1M
Hurricane Risk
Relatively LowEst. annual loss: $706K
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Union County
Union County has been included in 9 federal flood-related disaster declarations.
...and 1 earlier declaration since 1972.
These declarations affected communities across Union County, including Monroe Township.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Union County
Properties in Union County have filed 927 NFIP flood insurance claims totaling $11.7M in payouts since 1978. The average claim payout is $13K.
Highest-Claim Years
1996
214 claims - $2.9M
2004
196 claims - $3.2M
2011
162 claims - $2.6M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Union County
An estimated 2% of households in Union County carry NFIP flood insurance. This county has elevated flood risk but very low insurance coverage, indicating a significant protection gap.
Penetration Rate
2%
Claims Ratio
1 in 1
policies have filed a claim
Avg. Claim Payout
$12,661
Derived from FEMA NRI population data and OpenFEMA NFIP policy/claims records.
Repetitive Loss Properties: Union County
Union County has 118 properties with multiple flood losses, including 11 severe repetitive loss properties. 23 properties have been mitigated.
Multiple Loss
118
Severe Rep. Loss
11
Mitigated
23
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: UNION County
NOAA has recorded 32 flood events in UNION County since 1996, causing $11.0M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Union County
FEMA has funded mitigation for 25 properties in Union County, investing $1.2M in flood risk reduction.
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
What Your Flood Zone Means in Monroe Township
Monroe Township faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Monroe Township are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $11.1M.
Riverine flood risk in Monroe Township is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Monroe Township address.
Monroe Township, PA Flood Zone FAQ
What flood zones are in Monroe Township, PA?
The most common FEMA flood zones in Monroe Township are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Monroe Township?
If your Monroe Township property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Monroe Township?
Enter your Monroe Township address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
What type of flooding affects Monroe Township?
Monroe Township is primarily affected by river and stream overflow during heavy rainfall. The most common FEMA flood zone designations are Zone AE, Zone X. Use the free lookup tool above to check the specific flood zone for any Monroe Township address.
Has Monroe Township experienced major flooding events?
Union County, where Monroe Township is located, has been part of 9 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Sandy in 2012. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Monroe Township?
Union County has recorded 927 NFIP flood insurance claims totaling $11.7M in payouts since 1978. The year with the most claims was 1996, with 214 claims and $2.9M in payouts. These figures cover all NFIP claims in the county, including Monroe Township.
How many flood insurance policies are active in Monroe Township?
Union County currently has 330 active NFIP flood insurance policies with an average annual premium of $1,419. The most policies are in Zone AE (257 policies). These figures cover all active NFIP policies in the county.
How many Monroe Township properties have flooded repeatedly?
Union County has 118 properties with multiple flood losses on record, including 11 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Monroe Township property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Monroe Township?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Monroe Township's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
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Look Up Any Monroe Township, PA Address
Enter a Monroe Township, PA address to instantly check its FEMA flood zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.