Natural hazards · Cherry Tree

Cherry Tree, PA natural hazards

Most of the natural-hazard damage FEMA expects in Cherry Tree comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 12 claims here since 1978. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Cherry Tree?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cherry Tree to be higher than in 49% of U.S. communities, mostly from inland flooding.

Inland flooding83%Everything else18%

By hazard

What Cherry Tree 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 75% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Cherry Tree flood?

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

12paid claims since 1978

$32Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Tropical Storm Ivan: 1 claim, $2K
Tropical Storm Lee: 1 claim, $2K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Indiana County.

Disasters that hit Cherry Tree

1 federal disaster brought FEMA money here

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

Brought FEMA money into Cherry TreeDeclared for Indiana County only

2004

Tropical Depression Ivan

11 households applied for aid $19K aid approved

Indiana County has had 16 natural disasters declared since 1953, most often floods and hurricanes.

Around Cherry Tree

Cherry Tree and the towns around it

Very lowLowModerateHighVery high

Cherry Treemostly inland floodingModerate

Montgomerymostly inland floodingModerate

Burnsidemostly inland floodingModerate

Greenmostly inland floodingVery low

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