Natural hazards · Manchester

Manchester, PA natural hazards

Most of the natural-hazard damage FEMA expects in Manchester comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2018. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Manchester?

Very low

vs. U.S. communities

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

Inland flooding63%Hurricanes17%Everything else20%

By hazard

What Manchester faces

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

Inland flooding

63% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

17% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 12 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat 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 Manchester flood?

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

1paid claims since 2018

$10Kpaid to owners

0homes flooded more than once

20182026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: York County.

Disasters that hit Manchester

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Manchester itself: aid to households, or repair grants to the Borough of Manchester.

Brought FEMA money into ManchesterDeclared for York County only

2021

Remnants of Hurricane Ida

43 households applied for aid $92K aid approved

2011

Tropical Storm Lee

94 households applied for aid $108K aid approved

2004

Tropical Depression Ivan

8 households applied for aid $12K aid approved

York County has had 18 natural disasters declared since 1953, most often hurricanes and floods.

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. Manchester is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Manchester’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Manchester. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.