Natural hazards · Loretto

Loretto, PA natural hazards

Most of the natural-hazard damage FEMA expects in Loretto comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Loretto?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Loretto to be higher than in 3% of U.S. communities, mostly from inland flooding.

Inland flooding63%Cold waves9%Tornadoes8%Hurricanes6%Everything else14%

By hazard

What Loretto 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

Well below average · higher than 11% of U.S. places

Recorded about once a year in the area

Cold waves

9% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

8% of expected damage

Below average · higher than 47% of U.S. places

Hurricanes

6% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 25 years in the area

Lower here

HailIce 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 Loretto flood?

FEMA's records show no paid flood insurance claims in Loretto.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cambria County.

Disasters that hit Loretto

Federal disasters declared here

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

Brought FEMA money into LorettoDeclared for Cambria County only

Cambria County has had 16 natural disasters declared since 1953, most often floods and hurricanes.

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. Loretto is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Loretto’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Loretto. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.