Natural hazards · Railroad

Railroad, PA natural hazards

Most of the natural-hazard damage FEMA expects in Railroad comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1979.

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

Expected damage

How exposed is Railroad?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Railroad to be higher than in 30% of U.S. communities, mostly from inland flooding.

Inland flooding65%Hurricanes15%Everything else20%

By hazard

What Railroad faces

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

Inland flooding

65% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

15% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 11 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Railroad flood?

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

2paid claims since 1979

$6Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: York County.

Disasters that hit Railroad

Federal disasters declared here

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

Brought FEMA money into RailroadDeclared for York County only

York County has had 18 natural disasters declared since 1953, most often hurricanes and floods.

Around Railroad

Railroad and the towns around it

Very lowLowModerateHighVery high

Shrewsburymostly inland floodingLow

Railroadmostly inland floodingLow

New Freedommostly 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. Railroad 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 Railroad’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Railroad. 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.