Natural hazards · Lock Haven

Lock Haven, PA natural hazards

Most of the natural-hazard damage FEMA expects in Lock Haven comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 97 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 Lock Haven?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lock Haven to be higher than in 9% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding63%Strong wind17%Tornadoes5%Everything else14%

By hazard

What Lock Haven faces

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

Inland flooding

63% of expected damage

Below average · higher than 26% of U.S. places

Recorded about once a year in the area

Strong wind

17% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

5% of expected damage

Below average · higher than 42% of U.S. places

Lower here

HurricanesHailIce 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 Lock Haven flood?

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

97paid claims since 1979

$244Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Tropical Storm Ivan: 4 claims, $74K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clinton County.

Disasters that hit Lock Haven

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Lock Haven itself: aid to households, or repair grants to the City of Lock Haven.

Brought FEMA money into Lock HavenDeclared for Clinton County only

2004

Tropical Depression Ivan

95 households applied for aid $328K aid approved

Clinton County has had 13 natural disasters declared since 1953, most often severe storms and floods.

Around Lock Haven

Lock Haven and the towns around it

Very lowLowModerateHighVery high

Woodwardmostly inland floodingHigh

Castaneamostly inland floodingModerate

Flemingtonmostly inland floodingModerate

Allisonmostly inland floodingModerate

Lock Havenmostly 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. Lock Haven covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Lock Haven’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lock Haven. 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 Lock Haven total about $1.4M 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.