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 low for a U.S. community. Flood insurance has paid 8 claims here since 1978.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsExpected damage
How exposed is Elk?
Low
vs. U.S. communitiesFEMA expects yearly storm and flood damage to homes and buildings in Elk to be higher than in 27% of U.S. communities, mostly from inland flooding and drought.
Inland flooding49%Drought24%Hurricanes8%Everything else19%
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
49% of expected damage
Above average · higher than 50% of U.S. places
Recorded about 5 times a year in the area
Drought
24% of expected damage
Recorded about 6 times a year in the area
Hurricanes
8% of expected damage
Above average · higher than 64% of U.S. places
Recorded about once every 13 years in the area
Lower here
TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning
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 Elk flood?
Every paid claim on a federal flood insurance policy in Elk, from FEMA’s records.
8paid claims since 1978
$16Kpaid to owners
2homes flooded more than once
19782026
Homes that flooded again and again
■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times
of homes in flood zones
are insured
are insured
of all homes
are insured
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: Chester County.
Disasters that hit Elk
Federal disasters declared here
None of the disasters declared for Chester County shows FEMA aid or repair money reaching Elk itself in FEMA’s records.
Brought FEMA money into ElkDeclared for Chester County only
Chester County has had 22 natural disasters declared since 1953, most often hurricanes and floods.
Around Elk