Natural hazards · Ayr

Ayr, PA natural hazards

Most of the natural-hazard damage FEMA expects in Ayr comes from inland flooding, and overall the risk is very low for a U.S. community.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Ayr?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ayr to be higher than in 15% of U.S. communities, mostly from inland flooding.

Inland flooding67%Hurricanes15%Strong wind7%Everything else12%

By hazard

What Ayr faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

67% of expected damage

Below average · higher than 26% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

15% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 19 years in the area

Strong wind

7% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 4 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic activity

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

Flood insurance claims

Does Ayr flood?

FEMA's records show no paid flood insurance claims in Ayr.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Ayr isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Fulton County.

Disasters that hit Ayr

Federal disasters declared here

None of the disasters declared for Fulton County shows FEMA aid or repair money reaching Ayr itself in FEMA’s records.

Brought FEMA money into AyrDeclared for Fulton County only

Fulton County has had 14 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Ayr

Ayr and the towns around it

Very lowLowModerateHighVery high

Warrenmostly inland floodingLow

Petersmostly inland floodingLow

Ayrmostly inland floodingVery low

Toddmostly inland floodingVery low

McConnellsburgmostly inland floodingVery low

Licking Creekmostly inland floodingVery low

Belfastmostly inland floodingVery low

Thompsonmostly inland floodingVery low

About these numbers

How to read this page

An average, not a forecastFEMA’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 here, so a big city isn’t rated riskier just for having more buildings. Ayr covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Ayr’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Ayr. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Ayr total about $1.3M a year, counting buildings, people and crops.

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.