Natural hazards · Hamilton

Hamilton, PA natural hazards

Most of the natural-hazard damage FEMA expects in Hamilton comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Hamilton?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hamilton to be higher than in 4% of U.S. communities, mostly from inland flooding.

Inland flooding68%Cold waves8%Lightning7%Tornadoes5%Everything else12%

By hazard

What Hamilton faces

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

Inland flooding

68% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once a year in the area

Cold waves

8% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 4 times a year in the area

Lightning

7% of expected damage

Below average · higher than 41% of U.S. places

Tornadoes

5% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once every 36 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windAvalanches

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 Hamilton flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: McKean County.

Disasters that hit Hamilton

Federal disasters declared here

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

Brought FEMA money into HamiltonDeclared for McKean County only

McKean County has had 11 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Hamilton

Hamilton and the towns around it

Very lowLowModerateHighVery high

Meadmostly inland floodingHigh

Corydonmostly inland floodingHigh

Lafayettemostly inland floodingHigh

Hamiltonmostly inland floodingVery low

Wetmoremostly 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. Hamilton covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hamilton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hamilton. 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 Hamilton total about $660K 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.