Chase is calmer than 84% of U.S. communities
Most of the natural-hazard damage FEMA expects in Chase comes from inland flooding, and overall the risk is very low for a U.S. community.
What stands out about Chase’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
How exposed is Chase?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 16% of U.S. communities, mostly from inland flooding and cold waves.
Calmer than 2,032 of the 2,558 Pennsylvania towns we cover.
Chase covers 1 census tract, combined by population.
Does Chase flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Chase. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Chase isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Luzerne County.What Chase faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Cold waves
Heat waves
Tornadoes
Federal disasters declared here
None of the disasters declared for Luzerne County shows FEMA aid or repair money reaching Chase itself in FEMA’s records.
Luzerne County has had 19 natural disasters declared since 1953, most often hurricanes and floods.
Get ready for what Chase 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.
- Let faucets drip so pipes don’t freeze.
- Know where your water shutoff is.
- Never heat the house with the oven or a grill.
- Know the nearest cooling center or air-conditioned library.
- Drink water before you feel thirsty.
- Check on neighbors who live alone.
- 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.
Chase and its neighbors
Chase has the lowest rating of the 3 towns around it. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Larksville | Moderate | inland flooding | 3 |
| Chase | Very low | inland flooding | 0 |
| Jackson | Very low | inland flooding | 0 |
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–October
The month each of Luzerne County’s 19 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 Chase’s own flood-insurance community; household aid to the registrant’s city; repair grants to Chase.
- 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. Across Chase, expected losses total about $633K a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Chase.
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.