Natural hazards · Hampden

Hampden, PA natural hazards

Most of the natural-hazard damage FEMA expects in Hampden comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 165 claims here since 1979.

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

Expected damage

How exposed is Hampden?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hampden to be higher than in 32% of U.S. communities, mostly from inland flooding.

Inland flooding74%Hurricanes8%Everything else18%

By hazard

What Hampden faces

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

Inland flooding

74% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

8% of expected damage

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

Recorded about once every 14 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Hampden flood?

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

165paid claims since 1979

$971Kpaid to owners

12homes flooded more than once

19792026

Biggest named events

Tropical Storm Ivan: 27 claims, $309K
Not a named storm: 17 claims, $70K
Tropical Storm Lee: 10 claims, $79K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cumberland County.

Disasters that hit Hampden

Federal disasters declared here

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

Brought FEMA money into HampdenDeclared for Cumberland County only

Cumberland County has had 16 natural disasters declared since 1953, most often floods and winter storms.

Around Hampden

Hampden and the towns around it

Very lowLowModerateHighVery high

Ryemostly inland floodingHigh

Silver Springmostly inland floodingModerate

Lower Allenmostly inland floodingLow

Hampdenmostly inland floodingLow

East Pennsboromostly inland floodingLow

Mechanicsburgmostly inland floodingVery low

Camp Hillmostly inland floodingVery low

Shiremanstownmostly 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. Hampden covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to Hampden’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hampden. 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 Hampden total about $8.7M 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.