Natural hazards · Mount Carmel

Mount Carmel, PA natural hazards

Most of the natural-hazard damage FEMA expects in Mount Carmel comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 38 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Mount Carmel?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mount Carmel to be higher than in 52% of U.S. communities, mostly from inland flooding.

Inland flooding79%Strong wind5%Everything else16%

By hazard

What Mount Carmel faces

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

Inland flooding

79% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once a year in the area

Strong wind

5% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Mount Carmel flood?

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

38paid claims since 1979

$739Kpaid to owners

5homes flooded more than once

19792026

Biggest named events

Tropical Storm Lee: 13 claims, $126K
Tropical Storm Ivan: 3 claims, $10K
Hurricane Irene: 1 claim, $5K

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

Insurance rates: Northumberland County.

Disasters that hit Mount Carmel

3 federal disasters brought FEMA money here

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

Brought FEMA money into Mount CarmelDeclared for Northumberland County only

2011

Tropical Storm Lee

148 households applied for aid $248K aid approved

2006

Severe Storms, Flooding, and Mudslides

3 households applied for aid $2K aid approved

2004

Tropical Depression Ivan

4 households applied for aid $3K aid approved

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

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. Mount Carmel covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Mount Carmel’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Mount Carmel. 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 Mount Carmel total about $2.2M 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.