Natural hazards · Earl

Earl, PA natural hazards

Most of the natural-hazard damage FEMA expects in Earl comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 1978.

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

Expected damage

How exposed is Earl?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Earl to be higher than in 27% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding62%Hurricanes16%Earthquakes8%Everything else14%

By hazard

What Earl faces

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

Inland flooding

62% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

16% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 12 years in the area

Earthquakes

8% of expected damage

Above average · higher than 69% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningDrought

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 Earl flood?

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

4paid claims since 1978

$27Kpaid to owners

0homes flooded more than once

19782026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lancaster County.

Disasters that hit Earl

Federal disasters declared here

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

Brought FEMA money into EarlDeclared for Lancaster County only

Lancaster County has had 19 natural disasters declared since 1953, most often floods and winter storms.

Around Earl

Earl and the towns around it

Very lowLowModerateHighVery high

West Earlmostly inland floodingHigh

Ephratamostly inland floodingHigh

Brecknockmostly inland floodingHigh

Leacockmostly inland floodingModerate

East Cocalicomostly inland floodingLow

East Earlmostly inland floodingLow

Earlmostly inland floodingLow

Upper Leacockmostly 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. Earl covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Earl’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Earl. 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 Earl total about $2.9M 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.