Lilly Bridge · Photo: Joseph Elliott · Public domainStorms, floods and disasters in Lilly
Lilly isn’t graded for hazard risk: Lilly has 792 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 1996.
What Lilly 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.
Does Lilly flood? Rarely: 1 flood claim since 1996
Every paid claim on a federal flood insurance policy in Lilly, from FEMA’s records.
Lilly isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cambria County.The storms Lilly remembers
None of the 15 disasters declared for Cambria County shows FEMA aid or repair money reaching Lilly itself in FEMA’s records, so these are its biggest flood-claim years.
- 19961 flood claims paidThe year of Severe Storms, Flooding, and Tornadoes, declared for Cambria County
Cambria 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 Lilly after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lilly archive →Get ready for what Lilly 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 Lilly
Does Lilly flood?
Flood insurance has paid 1 claim in Lilly since 1996, $6K in all.
Is Lilly 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 Cambria County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Lilly?
FEMA’s Community Rating System list shows no discount for Lilly’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Lilly.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lilly’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.