Grugan’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Grugan comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 47 claims here since 1984.
What stands out about Grugan’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
The storms Grugan remembers
None of the disasters declared for Clinton County shows FEMA aid or repair money reaching Grugan itself in FEMA’s records.
- 200427 flood claims paidThe most in any one year on record
- 199610 flood claims paidOne of the three biggest flood years on record
Clinton County has had 13 natural disasters declared since 1953, most often severe storms and floods.
Old photos of Grugan after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Grugan archive →Grugan and its neighbors
Grugan has the lowest rating of the 7 towns around it. Tap a town to see its hazards.
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
How exposed is Grugan?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 64% of U.S. communities, mostly from inland flooding.
Rated higher than 1,952 of the 2,558 Pennsylvania towns we cover.
Grugan covers 1 census tract, combined by population.
What Grugan faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Strong wind
Does Grugan flood? Sometimes: 47 flood claims since 1984
Every paid claim on a federal flood insurance policy in Grugan, from FEMA’s records.
- Tropical Storm Ivan26 claims · $818K
Grugan 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.Get ready for what Grugan actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Keep a shovel, a blanket and snacks in the car.
- Clear snow from furnace and dryer vents.
- Check on older neighbors when the power goes out.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in August–September
The month each of Clinton County’s 13 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Grugan’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Grugan.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across Grugan, expected losses total about $1.5M a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Grugan.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.