Natural hazards · Napier

Napier, PA natural hazards

Most of the natural-hazard damage FEMA expects in Napier comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1996.

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

Expected damage

How exposed is Napier?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Napier to be higher than in 55% of U.S. communities, mostly from inland flooding.

Inland flooding88%Everything else12%

By hazard

What Napier faces

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

Inland flooding

88% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 2 times 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 Napier flood?

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

3paid claims since 1996

$60Kpaid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bedford County.

Disasters that hit Napier

Federal disasters declared here

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

Brought FEMA money into NapierDeclared for Bedford County only

Bedford County has had 16 natural disasters declared since 1953, most often floods and hurricanes.

Around Napier

Napier and the towns around it

Very lowLowModerateHighVery high

East St. Clairmostly inland floodingHigh

West St. Clairmostly inland floodingHigh

Napiermostly inland floodingModerate

Harrisonmostly inland floodingModerate

Juniatamostly inland floodingModerate

Manns Choicemostly inland floodingModerate

Bedfordmostly inland floodingModerate

Shademostly inland floodingLow

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