Natural hazards · Carroll Valley

Carroll Valley, PA natural hazards

Most of the natural-hazard damage FEMA expects in Carroll Valley comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 2003.

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

Expected damage

How exposed is Carroll Valley?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Carroll Valley to be higher than in 45% of U.S. communities, mostly from inland flooding.

Inland flooding72%Hurricanes11%Everything else17%

By hazard

What Carroll Valley faces

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

Inland flooding

72% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

11% of expected damage

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

Recorded about once every 13 years in the area

Lower here

TornadoesHailIce 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 Carroll Valley flood?

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

5paid claims since 2003

$137Kpaid to owners

1homes flooded more than once

20032026

Biggest named events

Hurricane Sandy: 1 claim, $8K
Hurricane Ida: 1 claim, $3K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Carroll Valley 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 Carroll Valley

Federal disasters declared here

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

Brought FEMA money into Carroll ValleyDeclared for Adams County only

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

Around Carroll Valley

Carroll Valley and the towns around it

Very lowLowModerateHighVery high

Carroll Valleymostly inland floodingModerate

Libertymostly inland floodingModerate

Hamiltonbanmostly inland floodingLow

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