Natural hazards · Cummings

Cummings, PA natural hazards

Most of the natural-hazard damage FEMA expects in Cummings comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 57 claims here since 1979.

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

Expected damage

How exposed is Cummings?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cummings to be higher than in 89% of U.S. communities, mostly from inland flooding.

Inland flooding94%Everything else6%

By hazard

What Cummings faces

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

Inland flooding

94% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce 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 Cummings flood?

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

57paid claims since 1979

$559Kpaid to owners

8homes flooded more than once

19792026

Biggest named events

Tropical Storm Ivan: 18 claims, $301K
Tropical Storm Lee: 1 claim, $80K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lycoming County.

Disasters that hit Cummings

Federal disasters declared here

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

Brought FEMA money into CummingsDeclared for Lycoming County only

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

Around Cummings

Cummings and the towns around it

Very lowLowModerateHighVery high

Cummingsmostly inland floodingVery high

Watsonmostly inland floodingVery high

McHenrymostly inland floodingVery high

Mifflinmostly inland floodingHigh

Gallaghermostly inland floodingHigh

Cogan Housemostly inland floodingHigh

Pinemostly inland floodingHigh

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. Cummings 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 Cummings’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Cummings. 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.