Natural hazards · Metal

Metal, PA natural hazards

Most of the natural-hazard damage FEMA expects in Metal comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 1984.

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

Expected damage

How exposed is Metal?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Metal to be higher than in 32% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding69%Hurricanes19%Everything else13%

By hazard

What Metal faces

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

Inland flooding

69% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

19% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 15 years in the area

Lower here

TornadoesHailIce 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 Metal flood?

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

1paid claims since 1984

$881paid to owners

0homes flooded more than once

19842026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Franklin County.

Disasters that hit Metal

Federal disasters declared here

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

Brought FEMA money into MetalDeclared for Franklin County only

Franklin County has had 16 natural disasters declared since 1953, most often floods and winter storms.

Around Metal

Metal and the towns around it

Very lowLowModerateHighVery high

Dublinmostly inland floodingModerate

Metalmostly inland floodingLow

St. Thomasmostly inland floodingLow

Fannettmostly inland floodingLow

Letterkennymostly inland floodingLow

Petersmostly inland floodingLow

Toddmostly inland floodingVery low

Dublinmostly 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. Metal 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 Metal’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Metal. 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.