Natural hazards · Cross Roads

Cross Roads, PA natural hazards

Most of the natural-hazard damage FEMA expects in Cross Roads comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Cross Roads?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cross Roads to be higher than in 35% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding56%Hurricanes16%Drought12%Everything else17%

By hazard

What Cross Roads faces

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

Inland flooding

56% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

16% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 11 years in the area

Drought

12% of expected damage

Recorded about 6 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Cross Roads flood?

FEMA's records show no paid flood insurance claims in Cross Roads.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: York County.

Disasters that hit Cross Roads

Federal disasters declared here

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

Brought FEMA money into Cross RoadsDeclared for York County only

York County has had 18 natural disasters declared since 1953, most often hurricanes and floods.

Around Cross Roads

Cross Roads and the towns around it

Very lowLowModerateHighVery high

North Hopewellmostly inland floodingModerate

Cross Roadsmostly inland floodingLow

East Hopewellmostly 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. Cross Roads 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 Cross Roads’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Cross Roads. 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.