Natural hazards · Millheim

Millheim, PA natural hazards

Most of the natural-hazard damage FEMA expects in Millheim comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 8 claims here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Millheim?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Millheim to be higher than in 69% of U.S. communities, mostly from inland flooding.

Inland flooding89%Everything else11%

By hazard

What Millheim faces

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

Inland flooding

89% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once a year 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 Millheim flood?

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

8paid claims since 1979

$93Kpaid to owners

1homes flooded more than once

19792026

Biggest named events

Tropical Storm Ivan: 2 claims, $51K

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

Insurance rates: Centre County.

Disasters that hit Millheim

1 federal disaster brought FEMA money here

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

Brought FEMA money into MillheimDeclared for Centre County only

2004

Tropical Depression Ivan

3 households applied for aid $3K aid approved

Centre County has had 13 natural disasters declared since 1953, most often floods and severe storms.

Around Millheim

Millheim and the towns around it

Very lowLowModerateHighVery high

Millheimmostly inland floodingHigh

Pennmostly inland floodingHigh

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. Millheim 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 Millheim’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Millheim. 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.