Penn Township, Pennsylvania Flood Zones
Last updated: March 2026
Penn Township faces flooding near the Susquehanna River in Snyder County. Heavy rainfall and upstream runoff cause flooding in low-lying areas of the township.
Snyder County has recorded 904 NFIP flood insurance claims since 1978, totaling $11.6M 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
277
Snyder County
Avg. Premium
$1,288/yr
Snyder County
FEMA Flood Risk Profile: Snyder 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: $11.5M
Hurricane Risk
Relatively LowEst. annual loss: $1.1M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Snyder County
Snyder County has been included in 10 federal flood-related disaster declarations.
...and 2 earlier declarations since 1972.
These declarations affected communities across Snyder County, including Penn Township.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Snyder County
Properties in Snyder County have filed 904 NFIP flood insurance claims totaling $11.6M in payouts since 1978. The average claim payout is $13K.
Highest-Claim Years
1996
227 claims - $2.8M
2004
211 claims - $2.9M
2011
199 claims - $4.5M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
What Your Flood Zone Means in Penn Township
Penn 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 Penn Township are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $11.5M.
Riverine flood risk in Penn 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 Penn Township address.
Penn Township, PA Flood Zone FAQ
What flood zones are in Penn Township, PA?
The most common FEMA flood zones in Penn 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 Penn Township?
If your Penn 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 Penn Township?
Enter your Penn 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 Penn Township?
Penn 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 Penn Township address.
Has Penn Township experienced major flooding events?
Snyder County, where Penn Township is located, has been part of 10 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 Penn Township?
Snyder County has recorded 904 NFIP flood insurance claims totaling $11.6M in payouts since 1978. The year with the most claims was 1996, with 227 claims and $2.8M in payouts. These figures cover all NFIP claims in the county, including Penn Township.
How many flood insurance policies are active in Penn Township?
Snyder County currently has 277 active NFIP flood insurance policies with an average annual premium of $1,288. The most policies are in Zone AE (224 policies). These figures cover all active NFIP policies in the county.
Can my Penn 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 Penn 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 Penn 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 Penn Township, PA Address
Enter a Penn 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.