Natural hazards · Gratz

Gratz, PA natural hazards

Most of the natural-hazard damage FEMA expects in Gratz comes from inland flooding, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Gratz?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gratz to be higher than in 25% of U.S. communities, mostly from inland flooding.

Inland flooding71%Hurricanes11%Everything else19%

By hazard

What Gratz faces

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

Inland flooding

71% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

11% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 16 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

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 Gratz flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Dauphin County.

Disasters that hit Gratz

2 federal disasters brought FEMA money here

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

Brought FEMA money into GratzDeclared for Dauphin County only

2011

Tropical Storm Lee

4 households applied for aid $6K aid approved

2004

Tropical Depression Ivan

6 households applied for aid $30K aid approved

Dauphin County has had 18 natural disasters declared since 1953, most often floods and hurricanes.

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