Natural hazards · Latrobe

Latrobe, PA natural hazards

Most of the natural-hazard damage FEMA expects in Latrobe comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 21 claims here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Latrobe?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Latrobe to be higher than in 30% of U.S. communities, mostly from inland flooding.

Inland flooding88%Everything else12%

By hazard

What Latrobe faces

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

Inland flooding

88% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Latrobe flood?

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

21paid claims since 1979

$294Kpaid to owners

4homes flooded more than once

19792026

Biggest named events

Tropical Storm Ivan: 5 claims, $236K
Hurricane Sandy: 1 claim, $22K

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

Insurance rates: Westmoreland County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Latrobe

1 federal disaster brought FEMA money here

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

Brought FEMA money into LatrobeDeclared for Westmoreland County only

2004

Tropical Depression Ivan

30 households applied for aid $91K aid approved

Westmoreland County has had 18 natural disasters declared since 1953, most often floods and winter storms.

Around Latrobe

Latrobe and the towns around it

Very lowLowModerateHighVery high

Latrobemostly inland floodingLow

Derrymostly inland floodingVery low

Unitymostly 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. Latrobe covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Latrobe’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Latrobe. 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 Latrobe total about $2.0M 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.