St. Lukes Episcopal Church · Photo: Smallbones · CC0On FEMA’s figures, Lebanon faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Lebanon gets a B− for hazard risk: higher expected damage per building than 53% of U.S. towns, #783 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (82%). Flood insurance has paid 342 claims here since 1978.
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 stands out about Lebanon’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Lebanon 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
Hurricanes
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 Lebanon’s grade
River and rain flooding is 82% of the building damage FEMA expects in Lebanon, and Lebanon’s rate of river and rain flooding damage is higher than 69% of U.S. census tracts. Next is hurricanes at 9% (higher than 81% of U.S. census tracts).
B− #783 of 1,037 in Pennsylvania; higher expected damage per building than 53% of U.S. towns (21,298).
Lebanon’s residents live in 6 census tracts; FEMA’s figures are combined by where they live.
The typical Pennsylvania town has lower expected damage than 71% of U.S. towns; within the state, Lebanon has more expected damage per building than 75% of Pennsylvania towns.
In dollars, FEMA expects about $7.0M a year in losses across Lebanon: $5.5M to buildings, the rest to people and crops.
Does Lebanon flood? Yes: 342 flood claims since 1978
Every paid claim on a federal flood insurance policy in Lebanon, from FEMA’s records: 29.3 per 1,000 homes, more than 88% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee58 claims · $1.7M
- Tropical Storm Ivan7 claims · $73K
Lebanon isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lebanon County.3 federal disasters brought FEMA money to Lebanon
Disasters that paid out in Lebanon itself (aid to households or repair grants to the City of Lebanon), newest first, with that year’s flood claims.
- 2011Tropical Storm Lee2,326 households applied for aid$5.6M aid approved58 flood claims paid for it, $1.7M
- 2006Severe Storms, Flooding, and Mudslides95 households applied for aid$178K aid approved4 flood claims paid that year
- 2004Tropical Depression Ivan55 households applied for aid$74K aid approved7 flood claims paid for it, $73K
Lebanon 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 Lebanon after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lebanon archive →Lebanon and its neighbors
Lebanon is 3rd 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 |
|---|---|---|---|
| South Lebanon Township | A−less damage than 85% | river and rain flooding | 36 |
| North Lebanon Township | A−less damage than 84% | river and rain flooding | 5 |
| Lebanon | B−more damage than 53% | river and rain flooding | 342 |
| North Cornwall Township | C+more damage than 65% | river and rain flooding | 43 |
| Lebanon South | — | a Census area inside a town; graded with the town | |
| Pleasant Hill | — | a Census area inside a town; graded with the town | |
| Hebron | — | a Census area inside a town; graded with the town | |
| West Lebanon Township | — | 827 residents; we grade 1,000+ | |
| Sand Hill | — | a Census area inside a town; graded with the town | |
| Avon | — | 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.
Get ready for what Lebanon 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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 Lebanon
Is Lebanon at risk for natural disasters?
On FEMA’s National Risk Index, Lebanon has higher expected damage per building than 53% of U.S. towns: B− for hazard risk, #783 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (82%) and hurricanes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lebanon flood?
Flood insurance has paid 342 claims in Lebanon since 1978, $2.5M in all, or 29.3 per 1,000 homes, more than 88% of U.S. towns with a flood insurance record. 25 properties have flooded more than once. The most claims came from Tropical Storm Lee (58).
Is Lebanon 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 Lebanon County, 29% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Lebanon?
FEMA’s Community Rating System list shows no discount for Lebanon’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 Lebanon?
By FEMA money that reached Lebanon, Tropical Storm Lee (2011): 2,326 households applied for aid, $5.6M approved. By flood claims, Tropical Storm Lee: 58 paid, $1.7M.
Is Lebanon at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Lebanon’s rate for it is higher than 69% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lebanon.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lebanon’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.