Natural hazards · Confluence

Confluence, PA natural hazards

Most of the natural-hazard damage FEMA expects in Confluence comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1984. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Confluence?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Confluence to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding91%Everything else9%

By hazard

What Confluence faces

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

Inland flooding

91% of expected damage

Well above average · higher than 88% 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 Confluence flood?

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

2paid claims since 1984

$712paid to owners

0homes flooded more than once

19842026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Somerset County.

Disasters that hit Confluence

1 federal disaster brought FEMA money here

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

Brought FEMA money into ConfluenceDeclared for Somerset County only

2004

Tropical Depression Ivan

1 household applied for aid $2K aid approved

Somerset County has had 18 natural disasters declared since 1953, most often floods and winter storms.

Around Confluence

Confluence and the towns around it

Very lowLowModerateHighVery high

Confluencemostly inland floodingHigh

Addisonmostly inland floodingHigh

Henry Claymostly inland floodingLow

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