Natural hazards · Gallagher

Gallagher, PA natural hazards

Most of the natural-hazard damage FEMA expects in Gallagher comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Gallagher?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gallagher to be higher than in 64% of U.S. communities, mostly from inland flooding.

Inland flooding81%Strong wind8%Everything else11%

By hazard

What Gallagher faces

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

Inland flooding

81% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once a year in the area

Strong wind

8% of expected damage

Above average · higher than 72% 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 Gallagher flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clinton County.

Disasters that hit Gallagher

Federal disasters declared here

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

Brought FEMA money into GallagherDeclared for Clinton County only

Clinton County has had 13 natural disasters declared since 1953, most often severe storms and floods.

Around Gallagher

Gallagher and the towns around it

Very lowLowModerateHighVery high

Watsonmostly inland floodingVery high

Cummingsmostly inland floodingVery high

McHenrymostly inland floodingVery high

Gallaghermostly inland floodingHigh

Woodwardmostly inland floodingHigh

Gruganmostly inland floodingHigh

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