Natural hazards · Smithfield

Smithfield, PA natural hazards

Most of the natural-hazard damage FEMA expects in Smithfield comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 162 claims here since 1978.

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

Expected damage

How exposed is Smithfield?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Smithfield to be higher than in 39% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding64%Cold waves18%Everything else18%

By hazard

What Smithfield faces

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

Inland flooding

64% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 2 times a year in the area

Cold waves

18% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat 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 Smithfield flood?

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

162paid claims since 1978

$9.9Mpaid to owners

25homes flooded more than once

19782026

Biggest named events

Tropical Storm Ivan: 44 claims, $3.0M
Tropical Storm Lee: 3 claims, $224K
Tropical Storm Henri: 2 claims, $9K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (9) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Monroe County.

Disasters that hit Smithfield

Federal disasters declared here

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

Brought FEMA money into SmithfieldDeclared for Monroe County only

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

Around Smithfield

Smithfield and the towns around it

Very lowLowModerateHighVery high

Hardwickmostly inland floodingModerate

Delaware Water Gapmostly inland floodingModerate

Upper Mount Bethelmostly inland floodingModerate

Smithfieldmostly inland floodingLow

Stroudmostly inland floodingLow

East Stroudsburgmostly 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. Smithfield covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Smithfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Smithfield. 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 Smithfield total about $3.4M 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.