Natural hazards · Lower Frankford

Lower Frankford, PA natural hazards

Most of the natural-hazard damage FEMA expects in Lower Frankford comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 6 claims here since 1984.

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

Expected damage

How exposed is Lower Frankford?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lower Frankford to be higher than in 16% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding67%Hurricanes15%Everything else18%

By hazard

What Lower Frankford faces

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

Inland flooding

67% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

15% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 16 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Frankford flood?

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

6paid claims since 1984

$112Kpaid to owners

1homes flooded more than once

19842026

Biggest named events

Tropical Storm Ivan: 2 claims, $85K
Hurricane Floyd: 1 claim, $6K

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. Lower Frankford 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 Frankford

Federal disasters declared here

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

Brought FEMA money into Lower FrankfordDeclared for Cumberland County only

Cumberland County has had 16 natural disasters declared since 1953, most often floods and winter storms.

Around Lower Frankford

Lower Frankford and the towns around it

Very lowLowModerateHighVery high

Tyronemostly inland floodingModerate

North Middletonmostly inland floodingLow

West Pennsboromostly inland floodingLow

Lower Frankfordmostly inland floodingVery low

Upper Frankfordmostly 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 Frankford 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 Lower Frankford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lower Frankford. 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.