Natural hazards · Delmar

Delmar, PA natural hazards

Most of the natural-hazard damage FEMA expects in Delmar comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 1996.

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

Expected damage

How exposed is Delmar?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Delmar to be higher than in 80% of U.S. communities, mostly from inland flooding.

Inland flooding90%Everything else10%

By hazard

What Delmar faces

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

Inland flooding

90% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once 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 Delmar flood?

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

1paid claims since 1996

$2Kpaid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Tioga County.

Disasters that hit Delmar

Federal disasters declared here

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

Brought FEMA money into DelmarDeclared for Tioga County only

Tioga County has had 17 natural disasters declared since 1953, most often floods and severe storms.

Around Delmar

Delmar and the towns around it

Very lowLowModerateHighVery high

Delmarmostly inland floodingVery high

Elkmostly inland floodingVery high

Shippenmostly inland floodingVery high

Chathammostly inland floodingHigh

Middleburymostly inland floodingHigh

Duncanmostly inland floodingHigh

Morrismostly inland floodingHigh

Charlestonmostly inland floodingHigh

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