Natural hazards · Lower Yoder

Lower Yoder, PA natural hazards

Most of the natural-hazard damage FEMA expects in Lower Yoder comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 15 claims here since 1980.

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

Expected damage

How exposed is Lower Yoder?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lower Yoder to be higher than in 6% of U.S. communities, mostly from inland flooding.

Inland flooding70%Cold waves8%Tornadoes7%Everything else16%

By hazard

What Lower Yoder faces

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

Inland flooding

70% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about once a year in the area

Cold waves

8% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

7% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Yoder flood?

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

15paid claims since 1980

$89Kpaid to owners

1homes flooded more than once

19802026

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

Insurance rates: Cambria County.

Disasters that hit Lower Yoder

Federal disasters declared here

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

Brought FEMA money into Lower YoderDeclared for Cambria County only

Cambria County has had 16 natural disasters declared since 1953, most often floods and hurricanes.

Around Lower Yoder

Lower Yoder and the towns around it

Very lowLowModerateHighVery high

St. Clairmostly inland floodingModerate

Fairfieldmostly inland floodingModerate

Johnstownmostly inland floodingModerate

West Taylormostly inland floodingLow

Lower Yodermostly inland floodingVery low

Brownstownmostly inland floodingVery low

Upper Yodermostly inland floodingVery low

Westmontmostly 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 Yoder covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lower Yoder’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lower Yoder. 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 Yoder total about $555K 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.