Natural hazards · Hunlock

Hunlock, PA natural hazards

Most of the natural-hazard damage FEMA expects in Hunlock comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 77 claims here since 1979.

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

Expected damage

How exposed is Hunlock?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hunlock to be higher than in 72% of U.S. communities, mostly from inland flooding.

Inland flooding80%Cold waves8%Everything else12%

By hazard

What Hunlock faces

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

Inland flooding

80% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 2 times a year in the area

Cold waves

8% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat 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 Hunlock flood?

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

77paid claims since 1979

$1.4Mpaid to owners

13homes flooded more than once

19792026

Biggest named events

Tropical Storm Lee: 13 claims, $772K
Tropical Storm Ivan: 5 claims, $195K
Not a named storm: 1 claim, $723

Homes that flooded again and again

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Luzerne County.

Disasters that hit Hunlock

Federal disasters declared here

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

Brought FEMA money into HunlockDeclared for Luzerne County only

Luzerne County has had 19 natural disasters declared since 1953, most often hurricanes and floods.

Around Hunlock

Hunlock and the towns around it

Very lowLowModerateHighVery high

Unionmostly inland floodingHigh

Hunlockmostly inland floodingHigh

Newportmostly 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. Hunlock covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hunlock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hunlock. 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 Hunlock total about $788K 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.