Natural hazards · Girard

Girard, PA natural hazards

Most of the natural-hazard damage FEMA expects in Girard comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 2017. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Girard?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Girard to be higher than in 9% of U.S. communities, mostly from inland flooding.

Inland flooding78%Strong wind6%Everything else16%

By hazard

What Girard faces

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

Inland flooding

78% of expected damage

Below average · higher than 29% of U.S. places

Recorded about 2 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Girard flood?

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

2paid claims since 2017

$96Kpaid to owners

0homes flooded more than once

20172026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Girard 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 Girard

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Girard itself: aid to households, or repair grants to the Borough of Girard.

Brought FEMA money into GirardDeclared for Erie County only

2004

Severe Storms and Flooding Associated With Tropical Depression Frances

1 household applied for aid

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

Around Girard

Girard and the towns around it

Very lowLowModerateHighVery high

Girardmostly inland floodingVery low

Lake Citymostly 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. Girard 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 Girard’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Girard. 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.