Natural hazards · Toby

Toby, PA natural hazards

Most of the natural-hazard damage FEMA expects in Toby comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Toby?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Toby to be higher than in 7% of U.S. communities, mostly from inland flooding.

Inland flooding60%Lightning13%Cold waves9%Strong wind7%Tornadoes7%Everything else5%

By hazard

What Toby faces

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

Inland flooding

60% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about 2 times a year in the area

Lightning

13% of expected damage

Below average · higher than 33% of U.S. places

Cold waves

9% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 4 times a year in the area

Strong wind

7% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 50% of U.S. places

Recorded about once every 79 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslides

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 Toby flood?

FEMA's records show no paid flood insurance claims in Toby.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clarion County.

Disasters that hit Toby

Federal disasters declared here

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

Brought FEMA money into TobyDeclared for Clarion County only

Clarion County has had 12 natural disasters declared since 1953, most often floods and hurricanes.

Around Toby

Toby and the towns around it

Very lowLowModerateHighVery high

Perrymostly inland floodingHigh

Madisonmostly inland floodingHigh

Sligomostly inland floodingLow

Lickingmostly inland floodingLow

Perrymostly inland floodingLow

Pineymostly inland floodingLow

Tobymostly inland floodingVery low

Rimersburgmostly 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. Toby covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Toby’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Toby. 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 Toby total about $279K 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.