Natural hazards · Harmar

Harmar, PA natural hazards

Most of the natural-hazard damage FEMA expects in Harmar comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 51 claims here since 1986.

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

Expected damage

How exposed is Harmar?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harmar to be higher than in 33% of U.S. communities, mostly from inland flooding.

Inland flooding89%Everything else11%

By hazard

What Harmar faces

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

Inland flooding

89% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 7 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Harmar flood?

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

51paid claims since 1986

$1.2Mpaid to owners

9homes flooded more than once

19862026

Biggest named events

Tropical Storm Ivan: 25 claims, $811K

Homes that flooded again and again

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Allegheny County.

Disasters that hit Harmar

Federal disasters declared here

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

Brought FEMA money into HarmarDeclared for Allegheny County only

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

Around Harmar

Harmar and the towns around it

Very lowLowModerateHighVery high

Cheswickmostly inland floodingHigh

Oakmontmostly inland floodingHigh

O'Haramostly inland floodingModerate

Harmarmostly inland floodingLow

Springdalemostly inland floodingLow

Fox Chapelmostly inland floodingLow

Indianamostly inland floodingVery low

Plummostly 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. Harmar covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harmar’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Harmar. 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 Harmar total about $1.7M 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.