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Everett pa main streetPhoto: Photo by User:Kmf164 · CC BY-SA 2.5
C−Hazard risk
Natural hazards in Everett · FEMA

More hazard damage per building is expected in Everett than in 83% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Everett gets a C− for hazard risk: higher expected damage per building than 83% of U.S. towns. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 11 claims here since 1983.

River and rain flooding 92%Hurricanes 5%Tornadoes 1%

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

more than 83%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C−
in Pennsylvania · higher than 83% of U.S. towns
Main hazard
River and rain flooding
92% of expected building damage
Flood claims
11
paid since 1983 · $107K
Disasters paid out here
3
of 16 declared for Bedford County
By hazard

What Everett 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

92%of expected building damage
Well above average · in the top 9% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Hurricanes Tornadoes Earthquakes Hail Strong wind Wildfire Landslides top 5% Winter storms Ice storms Cold waves Heat waves Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Everett’s grade

River and rain flooding is 92% of the building damage FEMA expects in Everett, and Everett’s rate of river and rain flooding damage is in the top 9% of U.S. census tracts.

Where Everett sits
Everett
Least damageMiddleMost damage

C− higher expected damage per building than 83% of U.S. towns (21,298).

All of Everett’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding92%Hurricanes5%Everything else3%

In dollars, FEMA expects about $1.0M a year in losses across Everett: $956K to buildings, the rest to people and crops.

Shared tract.All of Everett’s 1,765 residents (2020 census) live in one census tract, which it shares with West Providence township (3,082 residents) and Earlston CDP (1,049 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Everett flood? Sometimes: 11 flood claims since 1983

Every paid claim on a federal flood insurance policy in Everett, from FEMA’s records: 10.8 per 1,000 homes, more than 75% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1983: 1 claim1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 1 claim1996: 2 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 6 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 1 claim2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims198319962004
19832026
Biggest named events
  • Tropical Storm Ivan2 claims · $5K
11
paid claims since 1983
$107K
paid to owners
0
homes flooded more than once
$10K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Everett isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Bedford County.
Disasters

3 federal disasters brought FEMA money to Everett

Disasters that paid out in Everett itself (aid to households or repair grants to the Borough of Everett), newest first, with that year’s flood claims.

  1. 2021Remnants of Hurricane Ida35 households applied for aid$19K aid approved
  2. 2004Tropical Depression Ivan49 households applied for aid$135K aid approved2 flood claims paid for it, $5K
  3. 2004Severe Storms and Flooding Associated with Tropical Depression Frances23 households applied for aid$36K aid approved
Disasters declared, by decade
Paid out in EverettBedford County only

Bedford County has had 16 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.

Were you here?

Old photos of Everett after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Everett archive →
Next door

Everett and its neighbors

Everett has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.

Earlston: not gradedEarlstonEverett
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
EverettC−more damage than 83%river and rain flooding11
Earlston—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.

Be ready

Get ready for what Everett faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Everett

Is Everett at risk for natural disasters?

On FEMA’s National Risk Index, Everett has higher expected damage per building than 83% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (92%). 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 Everett flood?

Flood insurance has paid 11 claims in Everett since 1983, $107K in all, or 10.8 per 1,000 homes, more than 75% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Ivan (2).

Is Everett 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 Bedford County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.

How much is flood insurance in Everett?

FEMA’s Community Rating System list shows no discount for Everett’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 Everett?

By FEMA money that reached Everett, Tropical Depression Ivan (2004): 49 households applied for aid, $135K approved. By flood claims, Tropical Storm Ivan: 2 paid, $5K.

Is Everett at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (92%), and Everett’s rate for it is in the top 9% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Everett.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Everett’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.