Natural hazards · Colerain

Colerain, PA natural hazards

Most of the natural-hazard damage FEMA expects in Colerain comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 7 claims here since 1978.

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

Expected damage

How exposed is Colerain?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Colerain to be higher than in 72% of U.S. communities, mostly from inland flooding.

Inland flooding87%Hurricanes6%Everything else7%

By hazard

What Colerain faces

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

Inland flooding

87% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

6% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 20 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Colerain flood?

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

7paid claims since 1978

$28Kpaid to owners

1homes flooded more than once

19782026

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. Colerain isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Bedford County.

Disasters that hit Colerain

Federal disasters declared here

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

Brought FEMA money into ColerainDeclared for Bedford County only

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

Around Colerain

Colerain and the towns around it

Very lowLowModerateHighVery high

Cumberland Valleymostly inland floodingHigh

West Providencemostly inland floodingHigh

Colerainmostly inland floodingHigh

Snake Springmostly inland floodingHigh

Monroemostly inland floodingModerate

Southamptonmostly inland floodingModerate

Bedfordmostly inland floodingModerate

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. Colerain covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Colerain’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Colerain. 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 Colerain total about $1.7M 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.