Natural hazards · Lower Frederick

Lower Frederick, PA natural hazards

Most of the natural-hazard damage FEMA expects in Lower Frederick comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 55 claims here since 1979.

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

Expected damage

How exposed is Lower Frederick?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lower Frederick to be higher than in 51% of U.S. communities, mostly from inland flooding.

Inland flooding74%Cold waves9%Everything else18%

By hazard

What Lower Frederick faces

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

Inland flooding

74% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 6 times a year in the area

Cold waves

9% of expected damage

Below average · higher than 25% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat 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 Frederick flood?

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

55paid claims since 1979

$1.0Mpaid to owners

7homes flooded more than once

19792026

Biggest named events

Hurricane Ida: 13 claims, $545K
Not a named storm: 6 claims, $8K
Hurricane Isaias: 6 claims, $179K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Montgomery County.

Disasters that hit Lower Frederick

Federal disasters declared here

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

Brought FEMA money into Lower FrederickDeclared for Montgomery County only

Montgomery County has had 24 natural disasters declared since 1953, most often hurricanes and floods.

Around Lower Frederick

Lower Frederick and the towns around it

Very lowLowModerateHighVery high

Schwenksvillemostly inland floodingModerate

Lower Frederickmostly inland floodingModerate

Perkiomenmostly inland floodingLow

Upper Salfordmostly inland floodingLow

Upper Frederickmostly 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 Frederick covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lower Frederick’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lower Frederick. 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 Frederick 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.