Natural hazards · Lower Milford

Lower Milford, PA natural hazards

Most of the natural-hazard damage FEMA expects in Lower Milford comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2018.

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

Expected damage

How exposed is Lower Milford?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lower Milford to be higher than in 24% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding56%Cold waves20%Hurricanes7%Everything else18%

By hazard

What Lower Milford faces

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

Inland flooding

56% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 3 times a year in the area

Cold waves

20% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Hurricanes

7% of expected damage

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

Recorded about once every 17 years in the area

Lower here

TornadoesHailIce 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 Milford flood?

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

2paid claims since 2018

$49Kpaid to owners

1homes flooded more than once

20182026

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 Milford isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Lehigh County.

Disasters that hit Lower Milford

Federal disasters declared here

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

Brought FEMA money into Lower MilfordDeclared for Lehigh County only

Lehigh County has had 14 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Lower Milford

Lower Milford and the towns around it

Very lowLowModerateHighVery high

Upper Hanovermostly inland floodingLow

Upper Sauconmostly inland floodingLow

Lower Milfordmostly inland floodingLow

Upper Milfordmostly inland floodingVery low

Milfordmostly 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 Milford covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lower Milford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lower Milford. 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 Milford total about $1.6M 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.