Natural hazards · St. Thomas

St. Thomas, PA natural hazards

Most of the natural-hazard damage FEMA expects in St. Thomas comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 1984. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is St. Thomas?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Thomas to be higher than in 32% of U.S. communities, mostly from inland flooding.

Inland flooding70%Hurricanes15%Everything else15%

By hazard

What St. Thomas 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 56% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

15% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 14 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 St. Thomas flood?

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

6paid claims since 1984

$58Kpaid to owners

0homes flooded more than once

19842026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Franklin County.

Disasters that hit St. Thomas

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in St. Thomas itself: aid to households, or repair grants to the Township of St. Thomas.

Brought FEMA money into St. ThomasDeclared for Franklin County only

2006

Severe Storms, Flooding, and Mudslides

3 households applied for aid $5K aid approved

2004

Tropical Depression Ivan

3 households applied for aid $4K aid approved

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

Around St. Thomas

St. Thomas and the towns around it

Very lowLowModerateHighVery high

St. Thomasmostly inland floodingLow

Metalmostly inland floodingLow

Letterkennymostly inland floodingLow

Hamiltonmostly inland floodingLow

Petersmostly inland floodingLow

Antrimmostly 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. St. Thomas covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to St. Thomas’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of St. Thomas. 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 St. Thomas total about $1.4M 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.