Natural hazards · Graham

Graham, PA natural hazards

Most of the natural-hazard damage FEMA expects in Graham comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2018.

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

Expected damage

How exposed is Graham?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Graham to be higher than in 7% of U.S. communities, mostly from inland flooding.

Inland flooding62%Strong wind10%Cold waves9%Lightning6%Tornadoes5%Everything else9%

By hazard

What Graham faces

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

Inland flooding

62% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about once a year in the area

Strong wind

10% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 2 times a year in the area

Cold waves

9% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 4 times a year in the area

Lightning

6% of expected damage

Below average · higher than 31% of U.S. places

Tornadoes

5% of expected damage

Below average · higher than 34% of U.S. places

Recorded about once every 36 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesAvalanches

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 Graham flood?

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

1paid claims since 2018

$34Kpaid to owners

0homes flooded more than once

20182026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clearfield County.

Disasters that hit Graham

Federal disasters declared here

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

Brought FEMA money into GrahamDeclared for Clearfield County only

Clearfield County has had 15 natural disasters declared since 1953, most often hurricanes and floods.

Around Graham

Graham and the towns around it

Very lowLowModerateHighVery high

Girardmostly inland floodingModerate

Covingtonmostly inland floodingModerate

Bradfordmostly inland floodingVery low

Boggsmostly inland floodingVery low

Wallacetonmostly inland floodingVery low

Grahammostly inland floodingVery low

Morrismostly inland floodingVery low

Coopermostly 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. Graham covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Graham’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Graham. 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 Graham total about $1.0M 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.