Photo: Margaret Luzier, U.S. Army Corps of Engineers · Public domainStorms, floods and disasters in Confluence
Confluence isn’t graded for hazard risk: Confluence has 577 residents; we grade towns of 1,000 or more. Flood insurance has paid 2 claims here since 1984.
What Confluence 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 Confluence flood? Rarely: 2 flood claims since 1984
Every paid claim on a federal flood insurance policy in Confluence, from FEMA’s records.
Confluence isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Somerset County.1 federal disaster brought FEMA money to Confluence
Disasters that paid out in Confluence itself (aid to households or repair grants to the Borough of Confluence), newest first, with that year’s flood claims.
- 2004Tropical Depression Ivan1 households applied for aid$2K aid approved
Somerset County has had 17 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 Confluence after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Confluence archive →Confluence 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 |
|---|---|---|---|
| Henry Clay Township | A−less damage than 75% | river and rain flooding | 1 |
| Lower Turkeyfoot Township | — | 470 residents; we grade 1,000+ | |
| Addison Township | — | not graded yet | |
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 Confluence 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 Confluence
Does Confluence flood?
Flood insurance has paid 2 claims in Confluence since 1984, $712 in all.
Is Confluence 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 Somerset County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Confluence?
FEMA’s Community Rating System list shows no discount for Confluence’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 Confluence?
By FEMA money that reached Confluence, Tropical Depression Ivan (2004): 1 households applied for aid, $2K approved.
Storm stories
Memories, warnings and help from neighbors in Confluence.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Confluence’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.