Ardmore is calmer than 86% of U.S. communities
Most of the natural-hazard damage FEMA expects in Ardmore comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 14 claims here since 1994.
What stands out about Ardmore’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
How exposed is Ardmore?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 14% of U.S. communities, mostly from inland flooding.
Calmer than 2,117 of the 2,558 Pennsylvania towns we cover.
Ardmore covers 4 census tracts, combined by population.
What Ardmore faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Cold waves
Earthquakes
Heat waves
Tornadoes
Does Ardmore flood? Sometimes: 14 flood claims since 1994
Every paid claim on a federal flood insurance policy in Ardmore, from FEMA’s records.
- Hurricane Isaias2 claims · $14K
- Hurricane Irene2 claims · $9K
- Tropical Storm Lee1 claim · $46K
Ardmore isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Montgomery County.Federal disasters declared here
None of the disasters declared for Montgomery County shows FEMA aid or repair money reaching Ardmore itself in FEMA’s records.
Montgomery County has had 24 natural disasters declared since 1953, most often hurricanes and floods.
Get ready for what Ardmore actually faces
A short kit for its top hazards, 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.
- Let faucets drip so pipes don’t freeze.
- Know where your water shutoff is.
- Never heat the house with the oven or a grill.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
Most disasters here begin in July–September
The month each of Montgomery County’s 24 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
- Compared by rate. “Higher than N%” compares yearly damage as a share of what’s there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Ardmore’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Ardmore.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across Ardmore, expected losses total about $4.3M a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Ardmore.
Your answer becomes a post in Town Square.
Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau. Weather alerts: National Weather Service. Preparedness tips: Ready.gov. An average of past damage, not a forecast.