Natural hazards · Hartley

Hartley, PA natural hazards

Most of the natural-hazard damage FEMA expects in Hartley comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 129 claims here since 1979.

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

Expected damage

How exposed is Hartley?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hartley to be higher than in 70% of U.S. communities, mostly from inland flooding.

Inland flooding78%Hurricanes8%Strong wind6%Everything else8%

By hazard

What Hartley faces

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

Inland flooding

78% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once a year in the area

Hurricanes

8% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once every 17 years in the area

Strong wind

6% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 3 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningAvalanches

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 Hartley flood?

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

129paid claims since 1979

$1.7Mpaid to owners

13homes flooded more than once

19792026

Biggest named events

Tropical Storm Ivan: 25 claims, $403K
Not a named storm: 1 claim, $2K
Tropical Storm Lee: 1 claim, $4K

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

Insurance rates: Union County.

Disasters that hit Hartley

Federal disasters declared here

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

Brought FEMA money into HartleyDeclared for Union County only

Union County has had 15 natural disasters declared since 1953, most often floods and hurricanes.

Around Hartley

Hartley and the towns around it

Very lowLowModerateHighVery high

Hartleymostly inland floodingHigh

Hartletonmostly inland floodingHigh

Lewismostly inland floodingHigh

Hainesmostly inland floodingHigh

Armaghmostly inland floodingHigh

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. Hartley covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hartley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hartley. 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 Hartley total about $866K 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.