Natural hazards · Hummelstown

Hummelstown, PA natural hazards

Most of the natural-hazard damage FEMA expects in Hummelstown comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 56 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hummelstown?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hummelstown to be higher than in 51% of U.S. communities, mostly from inland flooding.

Inland flooding75%Hurricanes6%Everything else19%

By hazard

What Hummelstown faces

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

Inland flooding

75% of expected damage

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

Recorded about 2 times a year in the area

Hurricanes

6% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 14 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Hummelstown flood?

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

56paid claims since 1979

$1.9Mpaid to owners

7homes flooded more than once

19792026

Biggest named events

Tropical Storm Lee: 23 claims, $1.5M
Not a named storm: 11 claims, $21K
Tropical Storm Ivan: 7 claims, $141K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Dauphin County.

What’s been done with FEMA grants

11flood-prone properties bought out and cleared

Disasters that hit Hummelstown

3 federal disasters brought FEMA money here

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

Brought FEMA money into HummelstownDeclared for Dauphin County only

2011

Tropical Storm Lee

769 households applied for aid $2.7M aid approved

2006

Severe Storms, Flooding, and Mudslides

18 households applied for aid $9K aid approved

2004

Tropical Depression Ivan

143 households applied for aid $322K aid approved

Dauphin County has had 18 natural disasters declared since 1953, most often floods and hurricanes.

Around Hummelstown

Hummelstown and the towns around it

Very lowLowModerateHighVery high

Hummelstownmostly inland floodingModerate

South Hanovermostly inland floodingModerate

Swataramostly inland floodingLow

Derrymostly 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. Hummelstown covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hummelstown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Hummelstown. 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 Hummelstown total about $1.3M 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.