Photo: Ammodramus · Public domainStorms, floods and disasters in McCool Junction
McCool Junction isn’t graded for hazard risk: McCool Junction has 718 residents; we grade towns of 1,000 or more.
What McCool Junction 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
Tornadoes
Hail
Strong wind
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 McCool Junction flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in McCool Junction. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
McCool Junction 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.1 federal disaster brought FEMA money to McCool Junction
Disasters that paid out in McCool Junction itself (aid to households or repair grants to the Village of McCool Junction), newest first, with that year’s flood claims.
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$8K to the Village of McCool Junction for repairs
York 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 McCool Junction after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the McCool Junction archive →Get ready for what McCool Junction 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.
- 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 McCool Junction
Is McCool Junction 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 York County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in McCool Junction?
FEMA’s Community Rating System list shows no discount for McCool Junction’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 McCool Junction?
By FEMA money that reached McCool Junction, Severe Storms, Tornadoes, Straight-line Winds, and Flooding (2015): $8K to the Village of McCool Junction for repairs.
Storm stories
Memories, warnings and help from neighbors in McCool Junction.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where McCool Junction’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.