Natural hazards · Herndon

Herndon, PA natural hazards

Most of the natural-hazard damage FEMA expects in Herndon comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 52 claims here since 1978. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Herndon?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Herndon to be higher than in 59% of U.S. communities, mostly from inland flooding.

Inland flooding76%Hurricanes9%Everything else15%

By hazard

What Herndon 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 81% of U.S. places

Recorded about once a year in the area

Hurricanes

9% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 16 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

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 Herndon flood?

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

52paid claims since 1978

$760Kpaid to owners

8homes flooded more than once

19782026

Biggest named events

Tropical Storm Ivan: 15 claims, $213K
Tropical Storm Lee: 13 claims, $346K

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

🏷️ 15% off flood insurance. Herndon is in FEMA’s Community Rating System (class 7) for its flood-proofing work.

Insurance rates: Northumberland County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Herndon

3 federal disasters brought FEMA money here

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

Brought FEMA money into HerndonDeclared for Northumberland County only

2011

Tropical Storm Lee

44 households applied for aid $97K aid approved

2006

Severe Storms, Flooding, and Mudslides

1 household applied for aid $2K aid approved

2004

Tropical Depression Ivan

16 households applied for aid $32K aid approved

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

Around Herndon

Herndon and the towns around it

Very lowLowModerateHighVery high

Herndonmostly inland floodingModerate

Jacksonmostly inland floodingModerate

Unionmostly inland floodingModerate

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