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Natural hazards · White Deer

White Deer, PA natural hazards

Most of the natural-hazard damage FEMA expects in White Deer comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 64 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

How exposed is White Deer?

77
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in White Deer to be higher than in 77% of U.S. communities, mostly from inland flooding.

Inland flooding83%Strong wind6%Everything else11%
By hazard

What White Deer faces

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

Inland flooding

83% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about once a year in the area

Strong wind

6% of expected damage
Well above average · higher than 95% 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 White Deer flood?

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

64paid claims since 1979
$831Kpaid to owners
8homes flooded more than once
19792026

Biggest named events

  • Tropical Storm Ivan: 11 claims, $258K
  • Tropical Storm Lee: 7 claims, $179K
  • Hurricane Debby: 1 claim, $16K

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

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in White Deer itself: aid to households, or repair grants to the Township of White Deer.

Brought FEMA money into White DeerDeclared for Union County only
2024

Tropical Storm Debby

2 households applied for aid $6K aid approved
2011

Tropical Storm Lee

3 households applied for aid $3K aid approved
2004

Tropical Depression Ivan

11 households applied for aid $31K aid approved
Union County has had 15 natural disasters declared since 1953, most often floods and hurricanes.
Around White Deer

White Deer and the towns around it

Buffalo: Moderate, mostly inland floodingWest Buffalo: High, mostly inland floodingWatsontown: High, mostly inland floodingMilton: High, mostly inland floodingDelaware: High, mostly inland floodingTurbot: High, mostly inland floodingKelly: High, mostly inland floodingLewisburg: Very high, mostly inland floodingEast Buffalo: Moderate, mostly inland floodingLimestone: High, mostly inland floodingMifflinburg: High, mostly inland floodingLewis: High, mostly inland floodingWashington: Moderate, mostly inland floodingWest Chillisquaque: High, mostly inland floodingLewis: High, mostly inland floodingGregg: Very low, mostly inland floodingMuncy Creek: High, mostly inland floodingClinton: High, mostly inland floodingBrady: Moderate, mostly inland floodingLimestone: Moderate, mostly inland floodingEast Chillisquaque: High, mostly inland floodingWhite Deer: High, mostly inland flooding White DeerBuffaloWest BuffaloWatsontownMiltonDelawareTurbotKelly
Very lowLowModerateHighVery high
White Deermostly inland floodingHigh
Watsontownmostly inland floodingHigh
Delawaremostly inland floodingHigh
Miltonmostly inland floodingHigh
West Buffalomostly inland floodingHigh
Turbotmostly inland floodingHigh
Kellymostly inland floodingHigh
Buffalomostly 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. White Deer covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to White Deer’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of White Deer. 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 White Deer total about $2.1M 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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