Natural hazards · Lack

Lack, PA natural hazards

Most of the natural-hazard damage FEMA expects in Lack comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 7 claims here since 1984.

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

Expected damage

How exposed is Lack?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lack to be higher than in 73% of U.S. communities, mostly from inland flooding.

Inland flooding76%Hurricanes12%Everything else12%

By hazard

What Lack faces

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

Inland flooding

76% of expected damage

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

Recorded about once a year in the area

Hurricanes

12% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 16 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Lack flood?

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

7paid claims since 1984

$38Kpaid to owners

0homes flooded more than once

19842026

Biggest named events

Tropical Storm Lee: 1 claim, $819
Tropical Storm Ivan: 1 claim, $4K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Juniata County.

Disasters that hit Lack

Federal disasters declared here

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

Brought FEMA money into LackDeclared for Juniata County only

Juniata County has had 16 natural disasters declared since 1953, most often floods and winter storms.

Around Lack

Lack and the towns around it

Very lowLowModerateHighVery high

Waynemostly inland floodingHigh

Lackmostly inland floodingHigh

Tuscaroramostly inland floodingHigh

Shirleymostly inland floodingHigh

Toboynemostly inland floodingHigh

Brattonmostly inland floodingHigh

Tellmostly inland floodingModerate

Fannettmostly 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. Lack covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lack’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Lack. 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 Lack total about $880K 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.