Natural hazards · Henderson

Henderson, PA natural hazards

Most of the natural-hazard damage FEMA expects in Henderson comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 47 claims here since 1996.

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

Expected damage

How exposed is Henderson?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Henderson to be higher than in 52% of U.S. communities, mostly from inland flooding.

Inland flooding76%Lightning7%Cold waves6%Everything else12%

By hazard

What Henderson faces

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

Inland flooding

76% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 2 times a year in the area

Lightning

7% of expected damage

Below average · higher than 42% of U.S. places

Cold waves

6% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong wind

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 Henderson flood?

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

47paid claims since 1996

$570Kpaid to owners

0homes flooded more than once

19962026

Biggest named events

Tropical Storm Ivan: 21 claims, $167K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jefferson County.

Disasters that hit Henderson

Federal disasters declared here

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

Brought FEMA money into HendersonDeclared for Jefferson County only

Jefferson County has had 12 natural disasters declared since 1953, most often floods and hurricanes.

Around Henderson

Henderson and the towns around it

Very lowLowModerateHighVery high

Bradymostly inland floodingHigh

Hendersonmostly inland floodingModerate

Gaskillmostly inland floodingModerate

McCalmontmostly inland floodingModerate

Big Runmostly inland floodingModerate

Winslowmostly inland floodingLow

Sykesvillemostly inland floodingLow

Bellmostly 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. Henderson covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Henderson’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Henderson. 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 Henderson total about $1.0M 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.