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Natural hazards · West Cocalico

West Cocalico, PA natural hazards

Most of the natural-hazard damage FEMA expects in West Cocalico comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 15 claims here since 1978.

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

How exposed is West Cocalico?

33
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in West Cocalico to be higher than in 33% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding62%Hurricanes18%Cold waves5%Everything else16%
By hazard

What West Cocalico faces

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

Inland flooding

62% of expected damage
Above average · higher than 51% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

18% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about once every 12 years in the area

Cold waves

5% of expected damage
Below average · higher than 40% of U.S. places
Recorded about once a year in the area

Lower here

TornadoesHailIce 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 West Cocalico flood?

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

15paid claims since 1978
$203Kpaid to owners
2homes flooded more than once
19782026

Biggest named events

  • Tropical Storm Lee: 3 claims, $77K
  • Hurricane Floyd: 1 claim, $5K
  • Not a named storm: 1 claim, $965

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. West Cocalico isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lancaster County.
Disasters that hit West Cocalico

Federal disasters declared here

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

Brought FEMA money into West CocalicoDeclared for Lancaster County only
Lancaster County has had 19 natural disasters declared since 1953, most often floods and winter storms.
Around West Cocalico

West Cocalico and the towns around it

Clay: Moderate, mostly inland floodingDenver: Moderate, mostly inland floodingEast Cocalico: Low, mostly inland floodingSouth Heidelberg: Very low, mostly inland floodingMillcreek: Very low, mostly inland floodingEphrata: High, mostly inland floodingSpring: Very low, mostly inland floodingElizabeth: Low, mostly inland floodingWarwick: Low, mostly inland floodingHeidelberg: Low, mostly inland floodingBrecknock: High, mostly inland floodingAdamstown: Low, mostly inland floodingEarl: Low, mostly inland floodingWernersville: Very low, mostly inland floodingLower Heidelberg: Low, mostly inland floodingSinking Spring: Very low, mostly inland floodingHeidelberg: Low, mostly inland floodingRichland: Very low, mostly inland floodingMarion: Moderate, mostly inland floodingJackson: Low, mostly inland floodingEphrata: Moderate, mostly inland floodingAkron: Low, mostly inland floodingWest Earl: High, mostly inland floodingBern: Very low, mostly inland floodingWyomissing: Low, mostly inland floodingCumru: Very low, mostly inland floodingBrecknock: Low, mostly inland floodingWest Cocalico: Low, mostly inland flooding West CocalicoClayDenverEast CocalicoSouth HeidelbergMillcreekEphrataSpring
Very lowLowModerateHighVery high
Ephratamostly inland floodingHigh
Claymostly inland floodingModerate
Denvermostly inland floodingModerate
East Cocalicomostly inland floodingLow
West Cocalicomostly inland floodingLow
Springmostly inland floodingVery low
Millcreekmostly inland floodingVery low
South Heidelbergmostly 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. West Cocalico covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to West Cocalico’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of West Cocalico. 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 West Cocalico total about $2.0M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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