Natural hazards · Carmichaels

Carmichaels, PA natural hazards

Most of the natural-hazard damage FEMA expects in Carmichaels comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Carmichaels?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Carmichaels to be higher than in 55% of U.S. communities, mostly from inland flooding.

Inland flooding83%Everything else17%

By hazard

What Carmichaels faces

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

Inland flooding

83% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Carmichaels flood?

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

2paid claims since 1979

$2Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Greene County.

Disasters that hit Carmichaels

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Carmichaels itself: aid to households, or repair grants to the Borough of Carmichaels.

Brought FEMA money into CarmichaelsDeclared for Greene County only

2004

Tropical Depression Ivan

1 household applied for aid $2K aid approved

Greene County has had 13 natural disasters declared since 1953, most often floods and hurricanes.

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. Carmichaels 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 Carmichaels’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Carmichaels. 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.