Photo: Nyttend · Public domainOn FEMA’s figures, Monongahela faces more hazard damage per building than 90% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Monongahela gets a D for hazard risk: higher expected damage per building than 90% of U.S. towns, #1,021 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (98%). Flood insurance has paid 74 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 Monongahela 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 Monongahela’s grade
River and rain flooding is 98% of the building damage FEMA expects in Monongahela, and Monongahela’s rate of river and rain flooding damage is in the top 4% of U.S. census tracts.
D #1,021 of 1,037 in Pennsylvania; higher expected damage per building than 90% of U.S. towns (21,298).
Monongahela’s residents live in 2 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, Monongahela has more expected damage per building than 98% of Pennsylvania towns.
In dollars, FEMA expects about $2.2M a year in losses across Monongahela: $2.1M to buildings, the rest to people and crops.
Does Monongahela flood? Sometimes: 74 flood claims since 1978
Every paid claim on a federal flood insurance policy in Monongahela, from FEMA’s records: 32.9 per 1,000 homes, more than 89% of the 13,809 U.S. towns with a flood insurance record.
Monongahela isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Washington County.1 federal disaster brought FEMA money to Monongahela
Disasters that paid out in Monongahela itself (aid to households or repair grants to the City of Monongahela), newest first, with that year’s flood claims.
- 2004Tropical Depression Ivan14 households applied for aid$49K aid approved
Washington County has had 11 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.
Old photos of Monongahela after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Monongahela archive →Monongahela and its neighbors
Monongahela 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 |
|---|---|---|---|
| Carroll Township | Bless damage than 64% | river and rain flooding | 53 |
| Forward Township | Cmore damage than 68% | river and rain flooding | 160 |
| New Eagle | Dmore damage than 88% | river and rain flooding | 3 |
| Monongahela | Dmore damage than 90% | river and rain flooding | 74 |
| Wickerham Manor-Fisher | — | a Census area inside a town; graded with the town | |
| Baidland | — | 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 Monongahela 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 Monongahela
Is Monongahela at risk for natural disasters?
On FEMA’s National Risk Index, Monongahela has higher expected damage per building than 90% of U.S. towns: D for hazard risk, #1,021 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (98%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Monongahela flood?
Flood insurance has paid 74 claims in Monongahela since 1978, $1.2M in all, or 32.9 per 1,000 homes, more than 89% of U.S. towns with a flood insurance record. 7 properties have flooded more than once.
Is Monongahela 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 Washington County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Monongahela?
FEMA’s Community Rating System list shows no discount for Monongahela’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 Monongahela?
By FEMA money that reached Monongahela, Tropical Depression Ivan (2004): 14 households applied for aid, $49K approved.
Is Monongahela at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (98%), and Monongahela’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Monongahela.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Monongahela’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.