Natural hazards · Wellsboro

Wellsboro, PA natural hazards

Most of the natural-hazard damage FEMA expects in Wellsboro comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1978. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Wellsboro?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wellsboro to be higher than in 46% of U.S. communities, mostly from inland flooding.

Inland flooding84%Everything else16%

By hazard

What Wellsboro faces

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

Inland flooding

84% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Wellsboro flood?

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

3paid claims since 1978

$2Kpaid to owners

0homes flooded more than once

19782026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Tioga County.

Disasters that hit Wellsboro

3 federal disasters brought FEMA money here

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

Brought FEMA money into WellsboroDeclared for Tioga County only

2024

Tropical Storm Debby

10 households applied for aid $750 aid approved

2004

Tropical Depression Ivan

18 households applied for aid $34K aid approved

2003

Severe Storms, Tornadoes, and Flooding

8 households applied for aid $9K aid approved

Tioga County has had 17 natural disasters declared since 1953, most often floods and severe storms.

Around Wellsboro

Wellsboro and the towns around it

Very lowLowModerateHighVery high

Delmarmostly inland floodingVery high

Charlestonmostly inland floodingHigh

Wellsboromostly inland floodingModerate

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. Wellsboro covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Wellsboro’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Wellsboro. 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 Wellsboro total about $1.3M 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.