Natural hazards · Harmony

Harmony, PA natural hazards

Most of the natural-hazard damage FEMA expects in Harmony comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 51 claims here since 1979.

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

Expected damage

How exposed is Harmony?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harmony to be higher than in 10% of U.S. communities, mostly from inland flooding.

Inland flooding83%Tornadoes5%Everything else12%

By hazard

What Harmony faces

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

Inland flooding

83% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

5% of expected damage

Below average · higher than 45% of U.S. places

Lower here

HurricanesHailIce 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 Harmony flood?

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

51paid claims since 1979

$554Kpaid to owners

9homes flooded more than once

19792026

Biggest named events

Tropical Storm Lee: 4 claims, $137K
Tropical Storm Ivan: 2 claims, $20K

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. Harmony isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Beaver County.

Disasters that hit Harmony

Federal disasters declared here

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

Brought FEMA money into HarmonyDeclared for Beaver County only

Beaver County has had 12 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Harmony

Harmony and the towns around it

Very lowLowModerateHighVery high

Leetmostly inland floodingVery high

Bell Acresmostly inland floodingModerate

Economymostly inland floodingLow

Ambridgemostly inland floodingLow

Aliquippamostly inland floodingLow

Badenmostly inland floodingVery low

Harmonymostly 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. Harmony covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harmony’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Harmony. 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 Harmony total about $692K 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.