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Nathan Harvey House 3Photo: Ruhrfisch · CC BY-SA 3.0
C−Hazard risk
Natural hazards in Mill Hall · FEMA

On FEMA’s figures, Mill Hall faces more hazard damage per building than 78% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Mill Hall gets a C− for hazard risk: higher expected damage per building than 78% of U.S. towns. Most of that expected damage is river and rain flooding (95%). Flood insurance has paid 124 claims here since 1979.

River and rain flooding 95%Hurricanes 2%Tornadoes 2%

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

more than 78%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C−
in Pennsylvania · higher than 78% of U.S. towns
Main hazard
River and rain flooding
95% of expected building damage
Flood claims
124
paid since 1979 · $542K
Flooded more than once
10
properties · 1 “severe repetitive loss”
Disasters paid out here
1
of 12 declared for Clinton County

What stands out about Mill Hall’s natural hazards

From FEMA’s model and FEMA’s records, below.

124 paid flood claims since 1979$542K in all; 10 properties flooded more than once. More per home than 98% of U.S. towns.Remembers 198153 flood claims were paid for 1981 alone, the most of any year.
By hazard

What Mill Hall 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

95%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Hurricanes Tornadoes Strong wind Earthquakes Winter storms Hail Wildfire Ice storms Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Mill Hall’s grade

River and rain flooding is 95% of the building damage FEMA expects in Mill Hall, and Mill Hall’s rate of river and rain flooding damage is higher than 89% of U.S. census tracts.

Where Mill Hall sits
Mill Hall
Least damageMiddleMost damage

C− higher expected damage per building than 78% of U.S. towns (21,298).

All of Mill Hall’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding95%Everything else5%

In dollars, FEMA expects about $688K a year in losses across Mill Hall: $560K to buildings, the rest to people and crops.

Shared tract.All of Mill Hall’s 1,479 residents (2020 census) live in one census tract, which it shares with Bald Eagle township (2,044 residents) and Beech Creek township (972 residents) and Beech Creek borough (736 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Mill Hall flood? Yes: 124 flood claims since 1979

Every paid claim on a federal flood insurance policy in Mill Hall, from FEMA’s records: 177.4 per 1,000 homes, more than 98% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1979: 1 claim1980: 0 claims1981: 53 claims1982: 1 claim1983: 0 claims1984: 5 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 30 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 29 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 2 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 1 claim2017: 1 claim2018: 1 claim2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims198119962004
19792026
Biggest named events
  • Tropical Storm Ivan27 claims · $288K
124
paid claims since 1979
$542K
paid to owners
10
homes flooded more than once
$4K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (1)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Mill Hall isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Clinton County.
Disasters

1 federal disaster brought FEMA money to Mill Hall

Disasters that paid out in Mill Hall itself (aid to households or repair grants to the Borough of Mill Hall), newest first, with that year’s flood claims.

  1. 2004Tropical Depression Ivan218 households applied for aid$1.4M aid approved27 flood claims paid for it, $288K
Disasters declared, by decade
Paid out in Mill HallClinton County only

Clinton County has had 12 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.

Were you here?

Old photos of Mill Hall after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Mill Hall archive →
Next door

Mill Hall and its neighbors

Mill Hall is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Bald Eagle Township: hazard risk C−Lamar Township: hazard risk CBald Eagle TownshipLamar TownshipMill Hall
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Lamar TownshipCmore damage than 74%river and rain flooding76
Bald Eagle TownshipC−more damage than 78%river and rain flooding119
Mill HallC−more damage than 78%river and rain flooding124

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.

Be ready

Get ready for what Mill Hall faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Mill Hall

Is Mill Hall at risk for natural disasters?

On FEMA’s National Risk Index, Mill Hall has higher expected damage per building than 78% of U.S. towns: C− for hazard risk. 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 Mill Hall flood?

Flood insurance has paid 124 claims in Mill Hall since 1979, $542K in all, or 177.4 per 1,000 homes, more than 98% of U.S. towns with a flood insurance record. 10 properties have flooded more than once. The most claims came from Tropical Storm Ivan (27).

Is Mill Hall 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 Clinton County, 15% of homes in mapped flood zones carry federal flood insurance, and 2.2% of all homes do.

How much is flood insurance in Mill Hall?

FEMA’s Community Rating System list shows no discount for Mill Hall’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 Mill Hall?

By FEMA money that reached Mill Hall, Tropical Depression Ivan (2004): 218 households applied for aid, $1.4M approved. By flood claims, Tropical Storm Ivan: 27 paid, $288K.

Is Mill Hall at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (95%), and Mill Hall’s rate for it is higher than 89% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Mill Hall.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mill Hall’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.