Natural hazards · Penn

Penn, PA natural hazards

Most of the natural-hazard damage FEMA expects in Penn comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2004.

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

Expected damage

How exposed is Penn?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Penn to be higher than in 24% of U.S. communities, mostly from inland flooding.

Inland flooding70%Strong wind7%Cold waves7%Lightning5%Everything else12%

By hazard

What Penn faces

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

Inland flooding

70% of expected damage

Above average · higher than 50% of U.S. places

Recorded about once a year in the area

Strong wind

7% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

7% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 4 times a year in the area

Lightning

5% of expected damage

Below average · higher than 33% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesAvalanches

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 Penn flood?

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

2paid claims since 2004

$11Kpaid to owners

0homes flooded more than once

20042026

Biggest named events

Tropical Storm Ivan: 1 claim, $1K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clearfield County.

Disasters that hit Penn

Federal disasters declared here

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

Brought FEMA money into PennDeclared for Clearfield County only

Clearfield County has had 15 natural disasters declared since 1953, most often hurricanes and floods.

Around Penn

Penn and the towns around it

Very lowLowModerateHighVery high

Greenwoodmostly inland floodingHigh

Fergusonmostly inland floodingHigh

Pikemostly inland floodingLow

Pennmostly inland floodingLow

Bloommostly 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. Penn covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Penn’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Penn. 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 Penn total about $664K 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.