Natural hazards · Winterstown

Winterstown, PA natural hazards

Most of the natural-hazard damage FEMA expects in Winterstown comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 26 claims here since 1979.

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

Expected damage

How exposed is Winterstown?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Winterstown to be higher than in 45% of U.S. communities, mostly from inland flooding.

Inland flooding66%Hurricanes13%Drought7%Everything else15%

By hazard

What Winterstown faces

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

Inland flooding

66% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

13% of expected damage

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

Recorded about once every 11 years in the area

Drought

7% of expected damage

Recorded about 5 times a year 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 Winterstown flood?

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

26paid claims since 1979

$166Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Tropical Storm Lee: 10 claims, $75K
Hurricane Irene: 1 claim, $3K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: York County.

Disasters that hit Winterstown

Federal disasters declared here

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

Brought FEMA money into WinterstownDeclared for York County only

York County has had 18 natural disasters declared since 1953, most often hurricanes and floods.

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. Winterstown covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Winterstown’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Borough of Winterstown. 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 Winterstown total about $1.0M 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.