Photo: Lee Paxton · CC BY-SA 4.0On FEMA’s figures, Carnegie faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Carnegie gets a C+ for hazard risk: higher expected damage per building than 56% of U.S. towns, #814 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (97%). Flood insurance has paid 61 claims here since 1980.
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 Carnegie 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 Carnegie’s grade
River and rain flooding is 97% of the building damage FEMA expects in Carnegie, and Carnegie’s rate of river and rain flooding damage is higher than 79% of U.S. census tracts.
C+ #814 of 1,037 in Pennsylvania; higher expected damage per building than 56% of U.S. towns (21,298).
Carnegie’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Pennsylvania town has lower expected damage than 71% of U.S. towns; within the state, Carnegie has more expected damage per building than 78% of Pennsylvania towns.
In dollars, FEMA expects about $2.3M a year in losses across Carnegie: $2.0M to buildings, the rest to people and crops.
Does Carnegie flood? Sometimes: 61 flood claims since 1980
Every paid claim on a federal flood insurance policy in Carnegie, from FEMA’s records: 13.5 per 1,000 homes, more than 79% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Ivan36 claims · $2.6M
- Hurricane Ida1 claim · $1K
Carnegie isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Allegheny County.1 federal disaster brought FEMA money to Carnegie
Disasters that paid out in Carnegie itself (aid to households or repair grants to the Borough of Carnegie), newest first, with that year’s flood claims.
- 2004Tropical Depression Ivan712 households applied for aid$3.8M aid approved36 flood claims paid for it, $2.6M
Allegheny County has had 15 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 Carnegie after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Carnegie archive →Carnegie and its neighbors
Carnegie 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 |
|---|---|---|---|
| Robinson Township | Aless damage than 95% | river and rain flooding | 27 |
| Scott Township | Aless damage than 89% | river and rain flooding | 218 |
| Carnegie | C+more damage than 56% | river and rain flooding | 61 |
| Glendale | — | a Census area inside a town; graded with the town | |
| Rosslyn Farms | — | 534 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 Carnegie 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 Carnegie
Is Carnegie at risk for natural disasters?
On FEMA’s National Risk Index, Carnegie has higher expected damage per building than 56% of U.S. towns: C+ for hazard risk, #814 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (97%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Carnegie flood?
Flood insurance has paid 61 claims in Carnegie since 1980, $2.8M in all, or 13.5 per 1,000 homes, more than 79% of U.S. towns with a flood insurance record. 7 properties have flooded more than once. The most claims came from Tropical Storm Ivan (36).
Is Carnegie 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 Allegheny County, 28% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Carnegie?
FEMA’s Community Rating System list shows no discount for Carnegie’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 Carnegie?
By FEMA money that reached Carnegie, Tropical Depression Ivan (2004): 712 households applied for aid, $3.8M approved. By flood claims, Tropical Storm Ivan: 36 paid, $2.6M.
Is Carnegie at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (97%), and Carnegie’s rate for it is higher than 79% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Carnegie.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Carnegie’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.