Natural hazards · Larksville

Larksville, PA natural hazards

Most of the natural-hazard damage FEMA expects in Larksville comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1979. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Larksville?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Larksville to be higher than in 47% of U.S. communities, mostly from inland flooding.

Inland flooding71%Cold waves12%Everything else17%

By hazard

What Larksville faces

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

Inland flooding

71% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

12% 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 Larksville flood?

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

3paid claims since 1979

$230Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Tropical Storm Lee: 2 claims, $229K
Not a named storm: 1 claim, $1K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Larksville 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 Larksville

4 federal disasters brought FEMA money here

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

Brought FEMA money into LarksvilleDeclared for Luzerne County only

2011

Tropical Storm Lee

5 households applied for aid $2K aid approved

2006

Severe Storms, Flooding, and Mudslides

5 households applied for aid $8K aid approved

2005

Severe Storms and Flooding

1 household applied for aid $3K aid approved

2004

Tropical Depression Ivan

2 households applied for aid $5K aid approved

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

Around Larksville

Larksville and the towns around it

Very lowLowModerateHighVery high

Plymouthmostly inland floodingVery high

Plymouthmostly inland floodingHigh

Wilkes-Barremostly inland floodingHigh

Edwardsvillemostly inland floodingModerate

Larksvillemostly inland floodingModerate

Hanovermostly inland floodingModerate

Jacksonmostly inland floodingVery low

Courtdalemostly inland floodingVery low

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. Larksville covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Larksville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Larksville. 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 Larksville total about $1.0M 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.