Natural hazards · Upper Oxford

Upper Oxford, PA natural hazards

Most of the natural-hazard damage FEMA expects in Upper Oxford comes from drought, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2018.

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

Expected damage

How exposed is Upper Oxford?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Upper Oxford to be higher than in 22% of U.S. communities, mostly from drought and inland flooding.

Drought41%Inland flooding33%Hurricanes11%Everything else15%

By hazard

What Upper Oxford faces

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

Drought

41% of expected damage

Recorded about 6 times a year in the area

Inland flooding

33% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 5 times a year in the area

Hurricanes

11% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once every 13 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Upper Oxford flood?

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

1paid claims since 2018

$1Kpaid to owners

0homes flooded more than once

20182026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Chester County.

Disasters that hit Upper Oxford

Federal disasters declared here

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

Brought FEMA money into Upper OxfordDeclared for Chester County only

Chester County has had 22 natural disasters declared since 1953, most often hurricanes and floods.

Around Upper Oxford

Upper Oxford and the towns around it

Very lowLowModerateHighVery high

Sadsburymostly inland floodingModerate

Colerainmostly inland floodingModerate

Upper Oxfordmostly droughtLow

Pennmostly inland floodingVery low

Lower Oxfordmostly inland floodingVery low

West Fallowfieldmostly droughtVery low

Londonderrymostly 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 Oxford covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Upper Oxford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Upper Oxford. 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 Oxford total about $1.9M 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.