Toboyne’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Toboyne comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 1989.
What stands out about Toboyne’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Toboyne flood? Rarely: 1 flood claim since 1989
Every paid claim on a federal flood insurance policy in Toboyne, from FEMA’s records.
Toboyne isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Perry County.How exposed is Toboyne?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 70% of U.S. communities, mostly from inland flooding.
Rated higher than 2,132 of the 2,558 Pennsylvania towns we cover.
Toboyne is smaller than a census tract, so it shares the figures of the tract around its center.
What Toboyne faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Hurricanes
Federal disasters declared here
None of the disasters declared for Perry County shows FEMA aid or repair money reaching Toboyne itself in FEMA’s records.
Perry County has had 17 natural disasters declared since 1953, most often floods and winter storms.
Get ready for what Toboyne actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Keep a shovel, a blanket and snacks in the car.
- Clear snow from furnace and dryer vents.
- Check on older neighbors when the power goes out.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Toboyne and its neighbors
Toboyne ranks 4th calmest of 7 towns around it. Tap a town to see its hazards.
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in September–October
The month each of Perry County’s 17 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Toboyne’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Toboyne.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Toboyne.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.