Natural hazards · Reserve

Reserve, PA natural hazards

Most of the natural-hazard damage FEMA expects in Reserve comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 10 claims here since 1979.

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

Expected damage

How exposed is Reserve?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Reserve to be higher than in 76% of U.S. communities, mostly from inland flooding.

Inland flooding88%Cold waves7%Everything else5%

By hazard

What Reserve 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 92% of U.S. places

Recorded about 7 times a year in the area

Cold waves

7% of expected damage

Below average · higher than 38% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Reserve flood?

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

10paid claims since 1979

$33Kpaid to owners

1homes flooded more than once

19792026

Biggest named events

Tropical Storm Ivan: 4 claims, $18K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Allegheny County.

Disasters that hit Reserve

Federal disasters declared here

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

Brought FEMA money into ReserveDeclared for Allegheny County only

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

Around Reserve

Reserve and the towns around it

Very lowLowModerateHighVery high

Millvalemostly inland floodingVery high

Reservemostly inland floodingHigh

Pittsburghmostly inland floodingHigh

Shalermostly inland floodingVery low

Rossmostly 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. Reserve covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Reserve’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Reserve. 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 Reserve 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.