Natural hazards · Kelly

Kelly, PA natural hazards

Most of the natural-hazard damage FEMA expects in Kelly comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 17 claims here since 1996.

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

Expected damage

How exposed is Kelly?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kelly to be higher than in 62% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding51%Hurricanes15%Strong wind11%Tornadoes6%Everything else18%

By hazard

What Kelly faces

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

Inland flooding

51% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once a year in the area

Hurricanes

15% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 25 years in the area

Strong wind

11% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

6% of expected damage

Below average · higher than 46% of U.S. places

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 Kelly flood?

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

17paid claims since 1996

$284Kpaid to owners

4homes flooded more than once

19962026

Biggest named events

Tropical Storm Ivan: 5 claims, $117K
Tropical Storm Lee: 3 claims, $53K
Hurricane Debby: 2 claims, $45K

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

Insurance rates: Union County.

Disasters that hit Kelly

Federal disasters declared here

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

Brought FEMA money into KellyDeclared for Union County only

Union County has had 15 natural disasters declared since 1953, most often floods and hurricanes.

Around Kelly

Kelly and the towns around it

Very lowLowModerateHighVery high

Lewisburgmostly inland floodingVery high

White Deermostly inland floodingHigh

Miltonmostly inland floodingHigh

West Chillisquaquemostly inland floodingHigh

Kellymostly inland floodingHigh

Buffalomostly 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. Kelly covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Kelly’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Kelly. 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 Kelly total about $64K 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.