Natural hazards · Berwick

Berwick, PA natural hazards

Most of the natural-hazard damage FEMA expects in Berwick comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 4 claims here since 1981.

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

Expected damage

How exposed is Berwick?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Berwick to be higher than in 19% of U.S. communities, mostly from inland flooding.

Inland flooding64%Hurricanes13%Tornadoes5%Everything else18%

By hazard

What Berwick faces

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

Inland flooding

64% of expected damage

Below average · higher than 30% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

13% of expected damage

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

Recorded about once every 12 years in the area

Tornadoes

5% of expected damage

Above average · higher than 50% of U.S. places

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Berwick flood?

Every paid claim on a federal flood insurance policy in Berwick, from FEMA’s records.

4paid claims since 1981

$36Kpaid to owners

0homes flooded more than once

19812026

Biggest named events

Tropical Storm Lee: 1 claim, $34K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Adams County.

Disasters that hit Berwick

Federal disasters declared here

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

Brought FEMA money into BerwickDeclared for Adams County only

Adams County has had 16 natural disasters declared since 1953, most often floods and winter storms.

Around Berwick

Berwick and the towns around it

Very lowLowModerateHighVery high

Conewagomostly inland floodingLow

Hamiltonmostly inland floodingLow

Paradisemostly inland floodingLow

Heidelbergmostly inland floodingLow

Oxfordmostly inland floodingLow

Berwickmostly inland floodingVery low

Abbottstownmostly inland floodingVery low

Pennmostly 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. Berwick covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Berwick’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Berwick. 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 Berwick total about $705K 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.