Natural hazards · Germany

Germany, PA natural hazards

Most of the natural-hazard damage FEMA expects in Germany comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 1996.

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

Expected damage

How exposed is Germany?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Germany to be higher than in 34% of U.S. communities, mostly from inland flooding.

Inland flooding64%Hurricanes12%Drought6%Everything else17%

By hazard

What Germany faces

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

Inland flooding

64% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

12% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 12 years in the area

Drought

6% of expected damage

Recorded about 5 times a year 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 Germany flood?

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

1paid claims since 1996

$6Kpaid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Adams County.

Disasters that hit Germany

Federal disasters declared here

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

Brought FEMA money into GermanyDeclared for Adams County only

Adams County has had 16 natural disasters declared since 1953, most often floods and winter storms.

Around Germany

Germany and the towns around it

Very lowLowModerateHighVery high

Mount Joymostly inland floodingLow

Germanymostly inland floodingLow

Mount Pleasantmostly inland floodingLow

Unionmostly inland floodingLow

Littlestownmostly inland floodingVery low

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. Germany covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Germany’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Germany. 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 Germany total about $746K 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.