Natural hazards · Terry

Terry, PA natural hazards

Most of the natural-hazard damage FEMA expects in Terry comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 34 claims here since 1979.

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

Expected damage

How exposed is Terry?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Terry to be higher than in 87% of U.S. communities, mostly from inland flooding.

Inland flooding92%Everything else9%

By hazard

What Terry faces

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

Inland flooding

92% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce 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 Terry flood?

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

34paid claims since 1979

$1.1Mpaid to owners

5homes flooded more than once

19792026

Biggest named events

Tropical Storm Lee: 9 claims, $829K
Tropical Storm Ivan: 5 claims, $80K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bradford County.

Disasters that hit Terry

Federal disasters declared here

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

Brought FEMA money into TerryDeclared for Bradford County only

Bradford County has had 18 natural disasters declared since 1953, most often severe storms and floods.

Around Terry

Terry and the towns around it

Very lowLowModerateHighVery high

Terrymostly inland floodingVery high

Albanymostly inland floodingVery high

Wilmotmostly inland floodingVery high

Wyalusingmostly inland floodingHigh

Asylummostly inland floodingHigh

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. Terry covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Terry’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Terry. 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 Terry total about $3.7M 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.