Jerome is calmer than 95% of U.S. communities
Most of the natural-hazard damage FEMA expects in Jerome comes from inland flooding, and overall the risk is very low for a U.S. community.
What stands out about Jerome’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
How exposed is Jerome?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 5% of U.S. communities, mostly from inland flooding.
Calmer than 2,420 of the 2,558 Pennsylvania towns we cover.
Jerome is smaller than a census tract, so it shares the figures of the tract around its center.
Does Jerome flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Jerome. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Jerome isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Somerset County.What Jerome faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Strong wind
Lightning
Federal disasters declared here
None of the disasters declared for Somerset County shows FEMA aid or repair money reaching Jerome itself in FEMA’s records.
Somerset County has had 18 natural disasters declared since 1953, most often floods and winter storms.
Get ready for what Jerome actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- When thunder roars, go indoors.
- Wait 30 minutes after the last thunder.
- Unplug electronics before the storm.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Jerome and its neighbors
Jerome has the lowest rating of the 3 towns around it. Tap a town to see its hazards.
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in January–February
The month each of Somerset County’s 18 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Jerome’s own flood-insurance community; household aid to the registrant’s city; repair grants to Jerome.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Jerome.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.