Natural hazards · Horton

Horton, PA natural hazards

Most of the natural-hazard damage FEMA expects in Horton comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 10 claims here since 1996.

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

Expected damage

How exposed is Horton?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Horton to be higher than in 45% of U.S. communities, mostly from inland flooding.

Inland flooding81%Lightning6%Everything else13%

By hazard

What Horton faces

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

Inland flooding

81% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 2 years in the area

Lightning

6% of expected damage

Above average · higher than 65% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Horton flood?

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

10paid claims since 1996

$95Kpaid to owners

1homes flooded more than once

19962026

Biggest named events

Tropical Storm Ivan: 1 claim, $2K

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

Insurance rates: Elk County.

Disasters that hit Horton

Federal disasters declared here

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

Brought FEMA money into HortonDeclared for Elk County only

Elk County has had 8 natural disasters declared since 1953, most often hurricanes and floods.

Around Horton

Horton and the towns around it

Very lowLowModerateHighVery high

Hustonmostly inland floodingHigh

Ridgwaymostly inland floodingHigh

Spring Creekmostly inland floodingHigh

Snydermostly inland floodingHigh

Hortonmostly inland floodingModerate

Foxmostly inland floodingModerate

Sandymostly 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. Horton 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 Horton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Horton. 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.