Photo: Kathy from just livin' in a small town in SW PA, USA · CC BY 2.0Storms, floods and disasters in Carmichaels
Carmichaels isn’t graded for hazard risk: Carmichaels has 388 residents; we grade towns of 1,000 or more. Flood insurance has paid 2 claims here since 1979.
What Carmichaels 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.
Does Carmichaels flood? Rarely: 2 flood claims since 1979
Every paid claim on a federal flood insurance policy in Carmichaels, from FEMA’s records.
Carmichaels isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Greene County.1 federal disaster brought FEMA money to Carmichaels
Disasters that paid out in Carmichaels itself (aid to households or repair grants to the Borough of Carmichaels), newest first, with that year’s flood claims.
- 2004Tropical Depression Ivan1 households applied for aid$2K aid approved
Greene County has had 12 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Carmichaels after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Carmichaels archive →Carmichaels and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Fairdale | — | a Census area inside a town; graded with the town | |
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 Carmichaels 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 Carmichaels
Does Carmichaels flood?
Flood insurance has paid 2 claims in Carmichaels since 1979, $2K in all.
Is Carmichaels 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 Greene 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 Carmichaels?
FEMA’s Community Rating System list shows no discount for Carmichaels’ 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 Carmichaels?
By FEMA money that reached Carmichaels, Tropical Depression Ivan (2004): 1 households applied for aid, $2K approved.
Storm stories
Memories, warnings and help from neighbors in Carmichaels.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Carmichaels’ 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.