Natural hazards · Pavia

Pavia, PA natural hazards

Most of the natural-hazard damage FEMA expects in Pavia comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2011.

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

Expected damage

How exposed is Pavia?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pavia to be higher than in 50% of U.S. communities, mostly from inland flooding.

Inland flooding87%Everything else14%

By hazard

What Pavia faces

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

Inland flooding

87% of expected damage

Well above average · higher than 75% 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 Pavia flood?

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

2paid claims since 2011

$39Kpaid to owners

0homes flooded more than once

20112026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Pavia 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 Pavia

Federal disasters declared here

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

Brought FEMA money into PaviaDeclared for Bedford County only

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

Around Pavia

Pavia and the towns around it

Very lowLowModerateHighVery high

Paviamostly inland floodingModerate

Lincolnmostly inland floodingModerate

Kimmelmostly inland floodingModerate

Greenfieldmostly inland floodingModerate

Summerhillmostly inland floodingLow

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. Pavia covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Pavia’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Pavia. 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 Pavia total about $1.1M 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.