Natural hazards · Harford

Harford, PA natural hazards

Most of the natural-hazard damage FEMA expects in Harford comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2008. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Harford?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harford to be higher than in 30% of U.S. communities, mostly from inland flooding.

Inland flooding79%Hurricanes7%Tornadoes6%Everything else9%

By hazard

What Harford faces

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

Inland flooding

79% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

7% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 25 years in the area

Tornadoes

6% of expected damage

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

Recorded about once every 41 years in the area

Lower here

HailIce 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 Harford flood?

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

1paid claims since 2008

$134paid to owners

0homes flooded more than once

20082026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Susquehanna County.

Disasters that hit Harford

3 federal disasters brought FEMA money here

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

Brought FEMA money into HarfordDeclared for Susquehanna County only

2011

Tropical Storm Lee

3 households applied for aid $2K aid approved

2006

Severe Storms, Flooding, and Mudslides

8 households applied for aid $13K aid approved

2004

Tropical Depression Ivan

1 household applied for aid

Susquehanna County has had 21 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Harford

Harford and the towns around it

Very lowLowModerateHighVery high

Lenoxmostly inland floodingModerate

Harfordmostly inland floodingLow

New Milfordmostly inland floodingLow

Brooklynmostly inland floodingLow

Gibsonmostly 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. Harford 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 Harford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Harford. 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.