Photo: Dougtone · CC BY-SA 2.0FEMA puts Lemoyne’s expected hazard damage per building below that of 61% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lemoyne gets a B for hazard risk: lower expected damage per building than 61% of U.S. towns, #657 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 7 claims here since 1984.
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 Lemoyne 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 Lemoyne’s grade
River and rain flooding is 86% of the building damage FEMA expects in Lemoyne, and Lemoyne’s rate of river and rain flooding damage is higher than 62% of U.S. census tracts. Next is hurricanes at 8% (higher than 78% of U.S. census tracts).
B #657 of 1,037 in Pennsylvania; lower expected damage per building than 61% of U.S. towns (21,298).
All of Lemoyne’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, Lemoyne has more expected damage per building than 63% of Pennsylvania towns.
In dollars, FEMA expects about $1.5M a year in losses across Lemoyne: $1.4M to buildings, the rest to people and crops.
Does Lemoyne flood? Rarely: 7 flood claims since 1984
Every paid claim on a federal flood insurance policy in Lemoyne, from FEMA’s records: 2.9 per 1,000 homes, fewer than 53% of the 13,809 U.S. towns with a flood insurance record.
Lemoyne isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cumberland County.2 federal disasters brought FEMA money to Lemoyne
Disasters that paid out in Lemoyne itself (aid to households or repair grants to the Borough of Lemoyne), newest first, with that year’s flood claims.
- 2011Tropical Storm Lee46 households applied for aid$38K aid approved
- 2004Tropical Depression Ivan3 households applied for aid$576 aid approved
Cumberland 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 Lemoyne after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lemoyne archive →Lemoyne and its neighbors
Lemoyne is 3rd of the 6 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 |
|---|---|---|---|
| Camp Hill | Aless damage than 88% | river and rain flooding | 71 |
| Lower Allen Township | B+less damage than 67% | river and rain flooding | 87 |
| Lemoyne | Bless damage than 61% | river and rain flooding | 7 |
| Harrisburg | C−more damage than 75% | river and rain flooding | 1,516 |
| Wormleysburg | Dmore damage than 85% | river and rain flooding | 84 |
| New Cumberland | Dmore damage than 92% | river and rain flooding | 254 |
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 Lemoyne 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 Lemoyne
Is Lemoyne at risk for natural disasters?
On FEMA’s National Risk Index, Lemoyne has lower expected damage per building than 61% of U.S. towns: B for hazard risk, #657 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (86%) and hurricanes (8%). 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 Lemoyne flood?
Flood insurance has paid 7 claims in Lemoyne since 1984, $6K in all, or 2.9 per 1,000 homes, fewer than 53% of U.S. towns with a flood insurance record.
Is Lemoyne 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 Cumberland County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Lemoyne?
FEMA’s Community Rating System list shows no discount for Lemoyne’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 Lemoyne?
By FEMA money that reached Lemoyne, Tropical Storm Lee (2011): 46 households applied for aid, $38K approved.
Is Lemoyne at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Lemoyne’s rate for it is higher than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lemoyne.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lemoyne’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.