Natural hazards · Hamlin

Hamlin, PA natural hazards

Most of the natural-hazard damage FEMA expects in Hamlin comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 1981.

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

Expected damage

How exposed is Hamlin?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hamlin to be higher than in 8% of U.S. communities, mostly from inland flooding.

Inland flooding76%Cold waves5%Everything else19%

By hazard

What Hamlin faces

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

Inland flooding

76% of expected damage

Below average · higher than 28% of U.S. places

Recorded about once a year in the area

Cold waves

5% of expected damage

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

Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Hamlin flood?

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

2paid claims since 1981

$567paid to owners

0homes flooded more than once

19812026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Hamlin 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 Hamlin

Federal disasters declared here

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

Brought FEMA money into HamlinDeclared for McKean County only

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

Around Hamlin

Hamlin and the towns around it

Very lowLowModerateHighVery high

Keatingmostly inland floodingHigh

Lafayettemostly inland floodingHigh

Hamlinmostly inland floodingVery low

Sergeantmostly 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. Hamlin covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hamlin’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Hamlin. 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 Hamlin total about $570K 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.