Natural hazards · Horsham

Horsham, PA natural hazards

Most of the natural-hazard damage FEMA expects in Horsham comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 96 claims here since 1978. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Horsham?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Horsham to be higher than in 13% of U.S. communities, mostly from inland flooding.

Inland flooding61%Cold waves11%Heat waves8%Tornadoes6%Everything else14%

By hazard

What Horsham faces

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

Inland flooding

61% of expected damage

Below average · higher than 29% of U.S. places

Recorded about 6 times a year in the area

Cold waves

11% of expected damage

Below average · higher than 25% of U.S. places

Recorded about once a year in the area

Heat waves

8% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 11 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 50% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Horsham flood?

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

96paid claims since 1978

$2.3Mpaid to owners

22homes flooded more than once

19782026

Biggest named events

Tropical Storm Allison: 24 claims, $590K
Hurricane Ida: 17 claims, $662K
Tropical Storm Lee: 14 claims, $388K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (4) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Montgomery County.

Disasters that hit Horsham

4 federal disasters brought FEMA money here

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

Brought FEMA money into HorshamDeclared for Montgomery County only

2021

Remnants of Hurricane Ida

258 households applied for aid $307K aid approved

2011

Tropical Storm Lee

25 households applied for aid $27K aid approved

2011

Hurricane Irene

31 households applied for aid $71K aid approved

2004

Tropical Depression Ivan

1 household applied for aid $662 aid approved

Montgomery County has had 24 natural disasters declared since 1953, most often hurricanes and floods.

Around Horsham

Horsham and the towns around it

Very lowLowModerateHighVery high

Upper Morelandmostly inland floodingVery low

Upper Dublinmostly inland floodingVery low

Horshammostly inland floodingVery low

Warringtonmostly inland floodingVery low

Montgomerymostly 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. Horsham covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Horsham’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Horsham. 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 Horsham total about $8.6M 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.