Photo: Doug Kerr · CC BY-SA 2.0FEMA puts Apollo’s expected hazard damage per building above that of 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Apollo gets a D for hazard risk: higher expected damage per building than 87% of U.S. towns. Most of that expected damage is river and rain flooding (97%). Flood insurance has paid 3 claims here since 2004.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Apollo 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
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.
What’s behind Apollo’s grade
River and rain flooding is 97% of the building damage FEMA expects in Apollo, and Apollo’s rate of river and rain flooding damage is in the top 6% of U.S. census tracts.
D higher expected damage per building than 87% of U.S. towns (21,298).
All of Apollo’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $643K a year in losses across Apollo: $617K to buildings, the rest to people and crops.
Does Apollo flood? Rarely: 3 flood claims since 2004
Every paid claim on a federal flood insurance policy in Apollo, from FEMA’s records: 3.9 per 1,000 homes, more than 54% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Ivan1 claim · $801
Apollo isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Armstrong County.1 federal disaster brought FEMA money to Apollo
Disasters that paid out in Apollo itself (aid to households or repair grants to the Borough of Apollo), newest first, with that year’s flood claims.
- 2004Tropical Depression Ivan33 households applied for aid$114K aid approved1 flood claim paid for it, $801
Armstrong County has had 14 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Apollo after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Apollo archive →Apollo and its neighbors
Apollo is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Kiskiminetas Township | A−less damage than 78% | river and rain flooding | 2 |
| North Apollo | Dmore damage than 87% | river and rain flooding | 4 |
| Apollo | Dmore damage than 87% | river and rain flooding | 3 |
| Orchard Hills | — | a Census area inside a town; graded with the town | |
| Oklahoma | — | 884 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Apollo 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.
- 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 Apollo
Is Apollo at risk for natural disasters?
On FEMA’s National Risk Index, Apollo has higher expected damage per building than 87% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (97%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Apollo flood?
Flood insurance has paid 3 claims in Apollo since 2004, $24K in all, or 3.9 per 1,000 homes, more than 54% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Ivan (1).
Is Apollo 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 Armstrong County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Apollo?
FEMA’s Community Rating System list shows no discount for Apollo’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 Apollo?
By FEMA money that reached Apollo, Tropical Depression Ivan (2004): 33 households applied for aid, $114K approved. By flood claims, Tropical Storm Ivan: 1 paid, $801.
Is Apollo at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (97%), and Apollo’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Apollo.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Apollo’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.