Beech Creek’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Beech Creek comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 12 claims here since 1979. 1 federal disaster brought FEMA money into town.
How exposed is Beech Creek?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 71% of U.S. communities, mostly from inland flooding.
Rated higher than 2,166 of the 2,558 Pennsylvania towns we cover.
Beech Creek is smaller than a census tract, so it shares the figures of the tract around its center.
What Beech Creek faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Strong wind
Does Beech Creek flood? Sometimes: 12 flood claims since 1979
Every paid claim on a federal flood insurance policy in Beech Creek, from FEMA’s records.
- Tropical Storm Ivan2 claims · $8K
Beech Creek isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clinton County.1 federal disaster brought FEMA money to Beech Creek
Disasters that paid out in Beech Creek itself (aid to households or repair grants to the Borough of Beech Creek) and its biggest flood years.
- 2004Tropical Depression Ivan19 households applied for aid$23K aid approved
Clinton County has had 13 natural disasters declared since 1953, most often severe storms and floods.
Old photos of Beech Creek after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Beech Creek archive →Get ready for what Beech Creek 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Keep a shovel, a blanket and snacks in the car.
- Clear snow from furnace and dryer vents.
- Check on older neighbors when the power goes out.
- 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.
Beech Creek and its neighbors
How storm and flood risk compares across the town line. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Beech Creek | High | inland flooding | 12 |
| Liberty | High | inland flooding | 44 |
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in August–September
The month each of Clinton County’s 13 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 Beech Creek’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Beech Creek.
- 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.
Storm stories
Memories, warnings and help from neighbors in Beech Creek.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.