Photo: Canadian2006 · CC BY-SA 3.0FEMA expects less hazard damage per building in Manor than in 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Manor gets a B+ for hazard risk: lower expected damage per building than 67% of U.S. towns, #572 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (95%). Flood insurance has paid 9 claims here since 1990.
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 Manor 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 Manor’s grade
River and rain flooding is 95% of the building damage FEMA expects in Manor, and Manor’s rate of river and rain flooding damage is higher than 64% of U.S. census tracts.
B+ #572 of 1,037 in Pennsylvania; lower expected damage per building than 67% of U.S. towns (21,298).
All of Manor’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, Manor has more expected damage per building than 55% of Pennsylvania towns.
In dollars, FEMA expects about $788K a year in losses across Manor: $730K to buildings, the rest to people and crops.
Does Manor flood? Rarely: 9 flood claims since 1990
Every paid claim on a federal flood insurance policy in Manor, from FEMA’s records: 7.0 per 1,000 homes, more than 67% of the 13,809 U.S. towns with a flood insurance record.
Manor isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Westmoreland County.The storms Manor remembers
None of the 17 disasters declared for Westmoreland County shows FEMA aid or repair money reaching Manor itself in FEMA’s records, so these are its biggest flood-claim years.
- 19963 flood claims paidThe year of Severe Storms and Flooding, declared for Westmoreland County
- 20093 flood claims paidNo declaration for the county that year
- 20052 flood claims paidNo declaration for the county that year
Westmoreland County has had 17 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 Manor after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Manor archive →Manor and its neighbors
Manor is 4th 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 |
|---|---|---|---|
| Hempfield Township | A+among the lowest damage | river and rain flooding | 93 |
| Penn Township | A+less damage than 98% | river and rain flooding | 276 |
| North Huntingdon Township | Aless damage than 93% | river and rain flooding | 52 |
| Manor | B+less damage than 67% | river and rain flooding | 9 |
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 Manor 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 Manor
Is Manor at risk for natural disasters?
On FEMA’s National Risk Index, Manor has lower expected damage per building than 67% of U.S. towns: B+ for hazard risk, #572 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (95%). 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 Manor flood?
Flood insurance has paid 9 claims in Manor since 1990, $2.8M in all, or 7.0 per 1,000 homes, more than 67% of U.S. towns with a flood insurance record. 2 properties have flooded more than once.
Is Manor 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 Westmoreland County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Manor?
FEMA’s Community Rating System list shows no discount for Manor’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Manor at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (95%), and Manor’s rate for it is higher than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Manor.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Manor’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.