Storms, floods and disasters in Howard
Howard isn’t graded for hazard risk: Howard has 516 residents; we grade towns of 1,000 or more.
What Howard faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Wildfire
Tornadoes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does Howard flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Howard. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Howard isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Elk County.2 federal disasters brought FEMA money to Howard
Disasters that paid out in Howard itself (aid to households or repair grants to the City of Howard), newest first, with that year’s flood claims.
- 2007Severe Storms and Flooding39 households applied for aid$30K aid approved$2K to the City of Howard for repairs
- 2002Severe Winter Ice Storm$62K to the City of Howard for repairs
Elk County has had 17 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Howard after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Howard archive →Get ready for what Howard faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Howard
Is Howard in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Elk County, 0.1% of all homes carry federal flood insurance.
How much is flood insurance in Howard?
FEMA’s Community Rating System list shows no discount for Howard’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Howard?
By FEMA money that reached Howard, Severe Winter Ice Storm (2002): $62K to the City of Howard for repairs.
Storm stories
Memories, warnings and help from neighbors in Howard.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Howard’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.