Photo: Daniel Case · CC BY-SA 3.0FEMA expects less hazard damage per building in Homestead than in 92% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Homestead gets an A for hazard risk: lower expected damage per building than 92% of U.S. towns, #190 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (94%). FEMA’s files show no paid flood insurance claims here.
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 Homestead 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 Homestead’s grade
River and rain flooding is 94% of the building damage FEMA expects in Homestead, and Homestead’s rate of river and rain flooding damage is lower than 64% of U.S. census tracts.
A #190 of 1,037 in Pennsylvania; lower expected damage per building than 92% of U.S. towns (21,298).
All of Homestead’s residents live in one census tract; the figures are that tract’s.
The typical Pennsylvania town has lower expected damage than 71% of U.S. towns; within the state, Homestead has less expected damage per building than 82% of Pennsylvania towns.
In dollars, FEMA expects about $642K a year in losses across Homestead: $534K to buildings, the rest to people and crops.
Does Homestead flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Homestead. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Homestead 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 Homestead
Disasters that paid out in Homestead itself (aid to households or repair grants to the Borough of Homestead), newest first, with that year’s flood claims.
- 2004Tropical Depression Ivan12 households applied for aid$11K aid approved
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 Homestead after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Homestead archive →Homestead and its neighbors
Homestead is 2nd of the 4 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 |
|---|---|---|---|
| Munhall | Aless damage than 95% | river and rain flooding | 3 |
| Homestead | Aless damage than 92% | river and rain flooding | 0 |
| West Homestead | Aless damage than 87% | river and rain flooding | — |
| Pittsburgh | Cmore damage than 69% | river and rain flooding | 447 |
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 Homestead 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 Homestead
Is Homestead at risk for natural disasters?
On FEMA’s National Risk Index, Homestead has lower expected damage per building than 92% of U.S. towns: A for hazard risk, #190 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (94%). 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.
Is Homestead 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 Homestead?
FEMA’s Community Rating System list shows no discount for Homestead’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 Homestead?
By FEMA money that reached Homestead, Tropical Depression Ivan (2004): 12 households applied for aid, $11K approved.
Is Homestead at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Homestead’s rate for it is lower than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Homestead.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Homestead’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.