Natural hazards · Trainer

Trainer, PA natural hazards

Most of the natural-hazard damage FEMA expects in Trainer comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 17 claims here since 1989. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Trainer?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Trainer to be higher than in 16% of U.S. communities, mostly from inland flooding.

Inland flooding55%Earthquakes12%Heat waves7%Tornadoes6%Everything else20%

By hazard

What Trainer faces

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

Inland flooding

55% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about 5 times a year in the area

Earthquakes

12% of expected damage

Above average · higher than 74% of U.S. places

Heat waves

7% of expected damage

Well below average · higher than 16% of U.S. places

Recorded about 11 times a year in the area

Tornadoes

6% of expected damage

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

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherCold wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Trainer flood?

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

17paid claims since 1989

$355Kpaid to owners

2homes flooded more than once

19892026

Biggest named events

Hurricane Irene: 2 claims, $30K
Hurricane Isaias: 1 claim, $60K

Homes that flooded again and again

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Delaware County.

Disasters that hit Trainer

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Trainer itself: aid to households, or repair grants to the Borough of Trainer.

Brought FEMA money into TrainerDeclared for Delaware County only

2021

Remnants of Hurricane Ida

20 households applied for aid $17K aid approved

2011

Hurricane Irene

11 households applied for aid $7K aid approved

Delaware County has had 20 natural disasters declared since 1953, most often hurricanes and floods.

Around Trainer

Trainer and the towns around it

Very lowLowModerateHighVery high

Loganmostly inland floodingModerate

Marcus Hookmostly inland floodingLow

Chestermostly inland floodingLow

Upper Chichestermostly inland floodingVery low

Trainermostly inland floodingVery low

Lower Chichestermostly 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. Trainer covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Trainer’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Trainer. 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 Trainer total about $625K 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.