Natural hazards · Lumber

Lumber, PA natural hazards

Most of the natural-hazard damage FEMA expects in Lumber comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 14 claims here since 1981.

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

Expected damage

How exposed is Lumber?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lumber to be higher than in 92% of U.S. communities, mostly from inland flooding.

Inland flooding93%Everything else7%

By hazard

What Lumber faces

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

Inland flooding

93% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 3 years in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Lumber flood?

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

14paid claims since 1981

$109Kpaid to owners

2homes flooded more than once

19812026

Biggest named events

Tropical Storm Ivan: 1 claim, $16K

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

Insurance rates: Cameron County.

Disasters that hit Lumber

Federal disasters declared here

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

Brought FEMA money into LumberDeclared for Cameron County only

Cameron County has had 8 natural disasters declared since 1953, most often hurricanes and floods.

Around Lumber

Lumber and the towns around it

Very lowLowModerateHighVery high

Lumbermostly inland floodingVery high

Grovemostly inland floodingVery high

Portagemostly inland floodingVery high

Shippenmostly inland floodingVery high

Gibsonmostly inland floodingVery high

Portagemostly inland floodingVery high

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. Lumber covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lumber’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lumber. 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 Lumber total about $3.1M 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.