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Natural hazards · Lower Allen

Lower Allen, PA natural hazards

Most of the natural-hazard damage FEMA expects in Lower Allen comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 87 claims here since 1978.

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

How exposed is Lower Allen?

33
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lower Allen to be higher than in 33% of U.S. communities, mostly from inland flooding.

Inland flooding73%Hurricanes8%Everything else20%
By hazard

What Lower Allen faces

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

Inland flooding

73% of expected damage
Above average · higher than 55% of U.S. places
Recorded about 2 times a year in the area

Hurricanes

8% of expected damage
Well above average · higher than 78% of U.S. places
Recorded about once every 14 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Lower Allen flood?

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

87paid claims since 1978
$1.3Mpaid to owners
9homes flooded more than once
19782026

Biggest named events

  • Not a named storm: 12 claims, $70K
  • Tropical Storm Bill: 2 claims, $29K
  • Tropical Storm Lee: 1 claim, $5K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Lower Allen isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cumberland County.
Disasters that hit Lower Allen

Federal disasters declared here

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

Brought FEMA money into Lower AllenDeclared for Cumberland County only
Cumberland County has had 16 natural disasters declared since 1953, most often floods and winter storms.
Around Lower Allen

Lower Allen and the towns around it

Fairview: Low, mostly inland floodingNew Cumberland: Very high, mostly inland floodingLemoyne: Low, mostly inland floodingShiremanstown: Very low, mostly inland floodingUpper Allen: Very low, mostly inland floodingCamp Hill: Very low, mostly inland floodingHampden: Low, mostly inland floodingMechanicsburg: Very low, mostly inland floodingWarrington: Low, mostly inland floodingMonaghan: Low, mostly inland floodingNewberry: Moderate, mostly inland floodingSwatara: Low, mostly inland floodingLower Swatara: Low, mostly inland floodingLewisberry: Moderate, mostly inland floodingHarrisburg: High, mostly inland floodingWormleysburg: High, mostly inland floodingCarroll: Very low, mostly inland floodingMonroe: Low, mostly inland floodingEast Pennsboro: Low, mostly inland floodingSilver Spring: Moderate, mostly inland floodingRye: High, mostly inland floodingLower Allen: Low, mostly inland flooding Lower AllenFairviewNew CumberlandLemoyneShiremanstownUpper AllenCamp HillHampdenMechanicsburg
Very lowLowModerateHighVery high
New Cumberlandmostly inland floodingVery high
Lemoynemostly inland floodingLow
Lower Allenmostly inland floodingLow
Hampdenmostly inland floodingLow
Fairviewmostly inland floodingLow
Mechanicsburgmostly inland floodingVery low
Upper Allenmostly inland floodingVery low
Camp Hillmostly inland floodingVery low
Shiremanstownmostly 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. Lower Allen covers 5 census tracts, combined by population.
Money that reached townFlood claims are matched to Lower Allen’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lower Allen. 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 Lower Allen total about $4.8M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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