Natural hazards · Topton

Topton, PA natural hazards

Most of the natural-hazard damage FEMA expects in Topton comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 1978.

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

Expected damage

How exposed is Topton?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Topton to be higher than in 8% of U.S. communities, mostly from inland flooding.

Inland flooding53%Hurricanes11%Cold waves8%Tornadoes8%Everything else20%

By hazard

What Topton faces

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

Inland flooding

53% of expected damage

Well below average · higher than 14% of U.S. places

Recorded about 5 times a year in the area

Hurricanes

11% of expected damage

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

Recorded about once every 17 years in the area

Cold waves

8% of expected damage

Below average · higher than 26% of U.S. places

Recorded about once a year in the area

Tornadoes

8% of expected damage

Above average · higher than 52% of U.S. places

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Topton flood?

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

3paid claims since 1978

$28Kpaid to owners

1homes flooded more than once

19782026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Berks County.

Disasters that hit Topton

Federal disasters declared here

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

Brought FEMA money into ToptonDeclared for Berks County only

Berks County has had 20 natural disasters declared since 1953, most often severe storms and floods.

Around Topton

Topton and the towns around it

Very lowLowModerateHighVery high

Longswampmostly inland floodingLow

Toptonmostly 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. Topton covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Topton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Topton. 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 Topton total about $749K 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.