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Natural hazards · Lower Providence

Lower Providence, PA natural hazards

Most of the natural-hazard damage FEMA expects in Lower Providence comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 171 claims here since 1978.

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

How exposed is Lower Providence?

14
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lower Providence to be higher than in 14% of U.S. communities, mostly from inland flooding.

Inland flooding58%Cold waves13%Heat waves7%Tornadoes7%Everything else15%
By hazard

What Lower Providence faces

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

Inland flooding

58% of expected damage
Below average · higher than 31% of U.S. places
Recorded about 6 times a year in the area

Cold waves

13% of expected damage
Below average · higher than 25% of U.S. places
Recorded about once a year in the area

Heat waves

7% of expected damage
Below average · higher than 47% of U.S. places
Recorded about 8 times a year in the area

Tornadoes

7% of expected damage
Above average · higher than 50% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Providence flood?

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

171paid claims since 1978
$6.5Mpaid to owners
29homes flooded more than once
19782026

Biggest named events

  • Hurricane Ida: 25 claims, $2.9M
  • Hurricane Isaias: 17 claims, $1.0M
  • Hurricane Irene: 13 claims, $645K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (11) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Lower Providence 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 Providence

Federal disasters declared here

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

Brought FEMA money into Lower ProvidenceDeclared for Montgomery County only
Montgomery County has had 24 natural disasters declared since 1953, most often hurricanes and floods.
Around Lower Providence

Lower Providence and the towns around it

Upper Providence: Low, mostly inland floodingCollegeville: Low, mostly inland floodingSchuylkill: Low, mostly inland floodingWest Norriton: Moderate, mostly inland floodingUpper Merion: Low, mostly inland floodingSkippack: Very low, mostly inland floodingWorcester: Very low, mostly inland floodingPhoenixville: Moderate, mostly inland floodingEast Pikeland: Low, mostly inland floodingTrappe: Very low, mostly inland floodingSpring City: High, mostly inland floodingLimerick: Very low, mostly inland floodingPerkiomen: Low, mostly inland floodingCharlestown: Very low, mostly inland floodingTredyffrin: Very low, mostly inland floodingNorristown: High, mostly inland floodingEast Norriton: Low, mostly inland floodingBridgeport: High, mostly inland floodingPlymouth: Low, mostly inland floodingWest Conshohocken: High, mostly inland floodingLower Merion: Low, mostly inland floodingRadnor: Very low, mostly inland floodingLower Salford: Very low, mostly inland floodingUpper Salford: Low, mostly inland floodingUpper Gwynedd: Low, mostly inland floodingWhitpain: Low, mostly inland floodingTowamencin: Low, mostly inland floodingLower Providence: Very low, mostly inland flooding Lower ProvidenceUpper ProvidenceCollegevilleSchuylkillWest NorritonUpper MerionSkippackWorcester
Very lowLowModerateHighVery high
West Norritonmostly inland floodingModerate
Upper Merionmostly inland floodingLow
Upper Providencemostly inland floodingLow
Collegevillemostly inland floodingLow
Schuylkillmostly inland floodingLow
Worcestermostly inland floodingVery low
Lower Providencemostly inland floodingVery low
Skippackmostly 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 Providence covers 5 census tracts, combined by population.
Money that reached townFlood claims are matched to Lower Providence’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lower Providence. 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 Providence total about $6.8M 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.

The door’s open

Where to, neighbor?

You’re in Lower Providence, PAMontgomery CountyView boundary

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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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