Natural hazards · Elk

Elk, PA natural hazards

Most of the natural-hazard damage FEMA expects in Elk comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 1979.

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

Expected damage

How exposed is Elk?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elk to be higher than in 75% of U.S. communities, mostly from inland flooding.

Inland flooding86%Strong wind6%Everything else8%

By hazard

What Elk faces

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

Inland flooding

86% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once a year in the area

Strong wind

6% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningAvalanches

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 Elk flood?

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

5paid claims since 1979

$24Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Warren County.

Disasters that hit Elk

Federal disasters declared here

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

Brought FEMA money into ElkDeclared for Warren County only

Warren County has had 8 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Elk

Elk and the towns around it

Very lowLowModerateHighVery high

Glademostly inland floodingVery high

Pine Grovemostly inland floodingVery high

Elkmostly inland floodingHigh

Meadmostly 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. Elk covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Elk’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Elk. 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 Elk total about $1.1M 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.