Natural hazards · Elgin

Elgin, PA natural hazards

Most of the natural-hazard damage FEMA expects in Elgin 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 Elgin?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elgin to be higher than in 36% of U.S. communities, mostly from inland flooding.

Inland flooding80%Strong wind5%Everything else15%

By hazard

What Elgin faces

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

Inland flooding

80% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 2 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Elgin flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Erie County.

Disasters that hit Elgin

Federal disasters declared here

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

Brought FEMA money into ElginDeclared for Erie County only

Erie County has had 9 natural disasters declared since 1953, most often hurricanes and floods.

Around Elgin

Elgin and the towns around it

Very lowLowModerateHighVery high

Elginmostly inland floodingLow

Concordmostly inland floodingLow

Waynemostly inland floodingLow

Unionmostly 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. Elgin 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 Elgin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Elgin. 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.