Photo: Lee Paxton · CC BY-SA 4.0FEMA expects more hazard damage per building in Ingram than in 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Ingram gets a C for hazard risk: higher expected damage per building than 65% of U.S. towns, #888 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (97%). Flood insurance has paid 2 claims here since 1981.
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 Ingram 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 Ingram’s grade
River and rain flooding is 97% of the building damage FEMA expects in Ingram, and Ingram’s rate of river and rain flooding damage is higher than 84% of U.S. census tracts.
C #888 of 1,037 in Pennsylvania; higher expected damage per building than 65% of U.S. towns (21,298).
All of Ingram’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, Ingram has more expected damage per building than 86% of Pennsylvania towns.
In dollars, FEMA expects about $807K a year in losses across Ingram: $683K to buildings, the rest to people and crops.
Does Ingram flood? Rarely: 2 flood claims since 1981
Every paid claim on a federal flood insurance policy in Ingram, from FEMA’s records: 1.3 per 1,000 homes, fewer than 72% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Ivan1 claim · $7K
Ingram 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.The storms Ingram remembers
None of the 15 disasters declared for Allegheny County shows FEMA aid or repair money reaching Ingram itself in FEMA’s records, so these are its biggest flood-claim years.
- 19811 flood claims paidNo declaration for the county that year
- 20041 flood claims paidThe year of Tropical Depression Ivan, declared for Allegheny County
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 Ingram after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Ingram archive →Ingram and its neighbors
Ingram is 2nd of the 3 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 |
|---|---|---|---|
| Crafton | Aless damage than 92% | river and rain flooding | 5 |
| Ingram | Cmore damage than 65% | river and rain flooding | 2 |
| 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 Ingram 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 Ingram
Is Ingram at risk for natural disasters?
On FEMA’s National Risk Index, Ingram has higher expected damage per building than 65% of U.S. towns: C for hazard risk, #888 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (97%). 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 Ingram flood?
Flood insurance has paid 2 claims in Ingram since 1981, $11K in all, or 1.3 per 1,000 homes, fewer than 72% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Ivan (1).
Is Ingram 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 Ingram?
FEMA’s Community Rating System list shows no discount for Ingram’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 Ingram?
By flood claims, Tropical Storm Ivan: 1 paid, $7K.
Is Ingram at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (97%), and Ingram’s rate for it is higher than 84% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Ingram.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ingram’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.