Natural hazards · Banks

Banks, PA natural hazards

Most of the natural-hazard damage FEMA expects in Banks 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 Banks?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Banks to be higher than in 17% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding48%Cold waves18%Heat waves10%Strong wind6%Lightning6%Everything else12%

By hazard

What Banks faces

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

Inland flooding

48% of expected damage

Below average · higher than 36% of U.S. places

Recorded about 2 times a year in the area

Cold waves

18% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 3 times a year in the area

Heat waves

10% of expected damage

Well below average · higher than 9% of U.S. places

Recorded about 2 times a year in the area

Strong wind

6% of expected damage

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

Recorded about 4 times a year in the area

Lightning

6% of expected damage

Below average · higher than 45% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslides

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Banks flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Carbon County.

Disasters that hit Banks

Federal disasters declared here

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

Brought FEMA money into BanksDeclared for Carbon County only

Carbon County has had 16 natural disasters declared since 1953, most often hurricanes and floods.

Around Banks

Banks and the towns around it

Very lowLowModerateHighVery high

Banksmostly inland floodingVery low

Packermostly inland floodingVery low

Hazlemostly inland floodingVery low

Klinemostly 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. Banks is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.