Photo: Nyttend · Public domainStorms, floods and disasters in Franklin
Franklin isn’t graded for hazard risk: Franklin has 265 residents; we grade towns of 1,000 or more. Flood insurance has paid 4 claims here since 1978.
What Franklin 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 Franklin flood? Rarely: 4 flood claims since 1978
Every paid claim on a federal flood insurance policy in Franklin, from FEMA’s records.
Franklin isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cambria County.1 federal disaster brought FEMA money to Franklin
Disasters that paid out in Franklin itself (aid to households or repair grants to the Borough of Franklin), newest first, with that year’s flood claims.
- 2003Severe Storms, Tornadoes, and Flooding22 households applied for aid$68K aid approved
Cambria County has had 15 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 Franklin after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Franklin archive →Franklin 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 |
|---|---|---|---|
| Conemaugh Township | A+among the lowest damage | river and rain flooding | 47 |
| East Taylor Township | A−less damage than 81% | river and rain flooding | 7 |
| Johnstown | B−less damage than 50% | river and rain flooding | 166 |
| East Conemaugh | C+more damage than 58% | river and rain flooding | — |
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 Franklin 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 Franklin
Does Franklin flood?
Flood insurance has paid 4 claims in Franklin since 1978, $20K in all.
Is Franklin 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 Cambria County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Franklin?
FEMA’s Community Rating System list shows no discount for Franklin’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 Franklin?
By FEMA money that reached Franklin, Severe Storms, Tornadoes, and Flooding (2003): 22 households applied for aid, $68K approved.
Storm stories
Memories, warnings and help from neighbors in Franklin.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Franklin’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.