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Volunteer Fire Department Station 1, Frazer Township, PennsylvaniaPhoto: Generic1139 · CC BY 3.0
A+Hazard risk
Natural hazards in Frazer Township · FEMA

On FEMA’s figures, few U.S. towns expect less hazard damage per building than Frazer Township, mostly from river and rain flooding

On FEMA’s National Risk Index, Frazer Township gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns. Most of that expected damage is river and rain flooding (88%). Flood insurance has paid 1 claim here since 2004.

River and rain flooding 88%Tornadoes 6%Earthquakes 2%

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

among the lowestof U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A+
in Pennsylvania · among the lowest of U.S. towns
Main hazard
River and rain flooding
88% of expected building damage
Flood claims
1
paid since 2004 · $5K
Flood claims per home
2 per 1,000
fewer than 63% of U.S. towns
By hazard

What Frazer Township 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

88%of expected building damage
Well below average · lower than 93% of U.S. census tracts
Recorded about 7 times a year in the area

Tornadoes

6%of expected building damage
About average · lower than 60% of U.S. census tracts
Smaller shares here
 Earthquakes Strong wind Hurricanes Winter storms Hail Wildfire Ice storms Lightning Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 9% of Frazer Township’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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 Frazer Township’s grade

River and rain flooding is 88% of the building damage FEMA expects in Frazer Township, and Frazer Township’s rate of river and rain flooding damage is lower than 93% of U.S. census tracts. Next is tornadoes at 6% (lower than 60% of U.S. census tracts).

Where Frazer Township sits
Frazer Township
Least damageMiddleMost damage

A+ among the lowest expected damage per building of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding88%Tornadoes6%Everything else6%

In dollars, FEMA expects about $329K a year in losses across Frazer Township: $277K to buildings, the rest to people and crops.

Shared tract.All of Frazer Township’s 1,161 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the township’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 Frazer Township flood? Rarely: 1 flood claim since 2004

Every paid claim on a federal flood insurance policy in Frazer Township, from FEMA’s records: 1.9 per 1,000 homes, fewer than 63% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2004: 1 claim2005: 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: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2004
20042026
Biggest named events
  • Tropical Storm Ivan1 claim · $5K
1
paid claims since 2004
$5K
paid to owners
0
homes flooded more than once
$5K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Frazer Township 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.
Disasters

The storms Frazer Township remembers

None of the 15 disasters declared for Allegheny County shows FEMA aid or repair money reaching Frazer Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20041 flood claims paidThe year of Tropical Depression Ivan, declared for Allegheny County
Disasters declared, by decade
Paid out in Frazer TownshipAllegheny County only

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.

Were you here?

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

Add to the Frazer Township archive →
Next door

Frazer Township and its neighbors

Frazer Township has the lowest expected damage per building of the 7 graded towns here. Tap a town to see its hazards.

East Deer Township: hazard risk DTarentum: hazard risk DFawn Township: hazard risk CWest Deer Township: hazard risk A+Indiana Township: hazard risk AHarwick: not gradedSpringdale Township: hazard risk A−East Deer TownshipTarentumFawn TownshipWest Deer TownshipIndiana TownshipHarwickSpringdale TownshipFrazer Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Frazer TownshipA+among the lowest damageriver and rain flooding1
West Deer TownshipA+less damage than 97%river and rain flooding27
Indiana TownshipAless damage than 94%river and rain flooding12
Springdale TownshipA−less damage than 77%river and rain flooding2
Fawn TownshipCmore damage than 74%river and rain flooding82
East Deer TownshipDmore damage than 91%river and rain flooding19
TarentumDmore damage than 94%river and rain flooding26
Harwick—899 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.

Be ready

Get ready for what Frazer Township 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 ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
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 Frazer Township

Is Frazer Township at risk for natural disasters?

On FEMA’s National Risk Index, Frazer Township has among the lowest expected damage per building of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (88%) and tornadoes (6%). 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 Frazer Township flood?

Flood insurance has paid 1 claim in Frazer Township since 2004, $5K in all, or 1.9 per 1,000 homes, fewer than 63% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Ivan (1).

Is Frazer Township 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 Frazer Township?

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

By flood claims, Tropical Storm Ivan: 1 paid, $5K.

Is Frazer Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (88%), and Frazer Township’s rate for it is lower than 93% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Frazer Township.

Town Square →
Start the conversation

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