Natural hazards · Upper Fairfield

Upper Fairfield, PA natural hazards

Most of the natural-hazard damage FEMA expects in Upper Fairfield comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 81 claims here since 1978.

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

Expected damage

How exposed is Upper Fairfield?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Upper Fairfield to be higher than in 59% of U.S. communities, mostly from inland flooding.

Inland flooding82%Strong wind5%Everything else13%

By hazard

What Upper Fairfield faces

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

Inland flooding

82% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 2 times a year in the area

Strong wind

5% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningAvalanches

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 Upper Fairfield flood?

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

81paid claims since 1978

$2.6Mpaid to owners

17homes flooded more than once

19782026

Biggest named events

Tropical Storm Lee: 21 claims, $1.4M
Tropical Storm Ivan: 16 claims, $521K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (4) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lycoming County.

Disasters that hit Upper Fairfield

Federal disasters declared here

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

Brought FEMA money into Upper FairfieldDeclared for Lycoming County only

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

Around Upper Fairfield

Upper Fairfield and the towns around it

Very lowLowModerateHighVery high

Mill Creekmostly inland floodingHigh

Muncymostly inland floodingHigh

Plunketts Creekmostly inland floodingHigh

Upper Fairfieldmostly inland floodingModerate

Eldredmostly inland floodingModerate

Loyalsockmostly inland floodingLow

Fairfieldmostly 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. Upper Fairfield covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Upper Fairfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Upper Fairfield. 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 Upper Fairfield total about $1.2M 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.