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 high for a U.S. community. Flood insurance has paid 52 claims here since 1978. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Harmony?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harmony to be higher than in 68% of U.S. communities, mostly from inland flooding.

Inland flooding93%Everything else7%

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

93% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 2 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 Harmony flood?

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

52paid claims since 1978

$1.9Mpaid to owners

6homes flooded more than once

19782026

Biggest named events

Tropical Storm Ivan: 20 claims, $1.5M

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ 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: Butler County.

What’s been done with FEMA grants

34flood-prone properties bought out and cleared

Disasters that hit Harmony

2 federal disasters brought FEMA money here

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

Brought FEMA money into HarmonyDeclared for Butler County only

2004

Tropical Depression Ivan

125 households applied for aid $679K aid approved

2004

Severe Storms and Flooding Associated With Tropical Depression Frances

4 households applied for aid $1K aid approved

Butler County has had 9 natural disasters declared since 1953, most often hurricanes and floods.

Around Harmony

Harmony and the towns around it

Very lowLowModerateHighVery high

Harmonymostly inland floodingHigh

Zelienoplemostly inland floodingHigh

Jacksonmostly inland floodingLow

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 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 Harmony’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Harmony. 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.