Natural hazards · Point

Point, PA natural hazards

Most of the natural-hazard damage FEMA expects in Point comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 200 claims here since 1979.

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

Expected damage

How exposed is Point?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Point to be higher than in 58% of U.S. communities, mostly from inland flooding.

Inland flooding83%Hurricanes5%Everything else12%

By hazard

What Point faces

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

Inland flooding

83% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once a year in the area

Hurricanes

5% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once every 17 years in the area

Lower here

TornadoesHailIce 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 Point flood?

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

200paid claims since 1979

$3.8Mpaid to owners

35homes flooded more than once

19792026

Biggest named events

Tropical Storm Lee: 32 claims, $1.5M
Tropical Storm Ivan: 30 claims, $697K
Torrential rain: 2 claims, $4K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (17) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Point 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 Point

Federal disasters declared here

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

Brought FEMA money into PointDeclared for Northumberland County only

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

Around Point

Point and the towns around it

Very lowLowModerateHighVery high

Rushmostly inland floodingHigh

Riversidemostly inland floodingHigh

Unionmostly inland floodingHigh

Pointmostly inland floodingModerate

East Buffalomostly inland floodingModerate

Upper Augustamostly inland floodingModerate

Libertymostly inland floodingModerate

Monroemostly inland floodingModerate

Mahoningmostly 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. Point covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Point’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Point. 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 Point total about $1.9M 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.