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AHazard risk
Natural hazards in Mount Wolf · FEMA

On FEMA’s figures, Mount Wolf faces less hazard damage per building than 89% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Mount Wolf gets an A for hazard risk: lower expected damage per building than 89% of U.S. towns. Most of that expected damage is river and rain flooding (73%), then hurricanes (20%). Flood insurance has paid 6 claims here since 1996.

River and rain flooding 73%Hurricanes 20%Earthquakes 4%

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

less than 89%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A
in Pennsylvania · lower than 89% of U.S. towns
Main hazard
River and rain flooding
73% of expected building damage
Flood claims
6
paid since 1996 · $220K
Flooded more than once
1
properties
Disasters paid out here
3
of 17 declared for York County
By hazard

What Mount Wolf 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

73%of expected building damage
Below average · lower than 77% of U.S. census tracts
Recorded about 3 times a year in the area

Hurricanes

20%of expected building damage
Well above average · higher than 82% of U.S. census tracts
Recorded about once every 12 years in the area
Smaller shares here
 Earthquakes Tornadoes Strong wind Winter storms Ice storms Lightning Hail Wildfire Cold waves Heat waves Landslides
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 Mount Wolf’s grade

River and rain flooding is 73% of the building damage FEMA expects in Mount Wolf, and Mount Wolf’s rate of river and rain flooding damage is lower than 77% of U.S. census tracts. Next is hurricanes at 20% (higher than 82% of U.S. census tracts).

Where Mount Wolf sits
Mount Wolf
Least damageMiddleMost damage

A lower expected damage per building than 89% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding73%Hurricanes20%Earthquakes4%Everything else3%

In dollars, FEMA expects about $298K a year in losses across Mount Wolf: $238K to buildings, the rest to people and crops.

Shared tract.All of Mount Wolf’s 1,368 residents (2020 census) live in one census tract, which it shares with Manchester borough (2,800 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 Mount Wolf flood? Rarely: 6 flood claims since 1996

Every paid claim on a federal flood insurance policy in Mount Wolf, from FEMA’s records: 11.6 per 1,000 homes, more than 76% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1996: 1 claim1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 2 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 3 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199620042011
19962026
Biggest named events
  • Tropical Storm Lee3 claims · $168K
  • Tropical Storm Ivan2 claims · $36K
6
paid claims since 1996
$220K
paid to owners
1
homes flooded more than once
$37K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: York County.
Disasters

3 federal disasters brought FEMA money to Mount Wolf

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

  1. 2021Remnants of Hurricane Ida37 households applied for aid$61K aid approved
  2. 2011Tropical Storm Lee113 households applied for aid$205K aid approved3 flood claims paid for it, $168K
  3. 2004Tropical Depression Ivan17 households applied for aid$35K aid approved2 flood claims paid for it, $36K
Disasters declared, by decade
Paid out in Mount WolfYork County only

York County has had 17 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Mount Wolf archive →
Next door

Mount Wolf and its neighbors

Mount Wolf is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Manchester: hazard risk AManchesterMount Wolf
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
ManchesterAless damage than 89%river and rain flooding1
Mount WolfAless damage than 89%river and rain flooding6

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 Mount Wolf 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 ↗
Hurricane season
  • 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.
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 Mount Wolf

Is Mount Wolf at risk for natural disasters?

On FEMA’s National Risk Index, Mount Wolf has lower expected damage per building than 89% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (73%) and hurricanes (20%). 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 Mount Wolf flood?

Flood insurance has paid 6 claims in Mount Wolf since 1996, $220K in all, or 11.6 per 1,000 homes, more than 76% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Tropical Storm Lee (3).

Is Mount Wolf 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 York County, 30% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Mount Wolf?

FEMA’s Community Rating System list shows no discount for Mount Wolf’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 Mount Wolf?

By FEMA money that reached Mount Wolf, Tropical Storm Lee (2011): 113 households applied for aid, $205K approved. By flood claims, Tropical Storm Lee: 3 paid, $168K.

Is Mount Wolf at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (73%), and Mount Wolf’s rate for it is lower than 77% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Mount Wolf.

Town Square →
Start the conversation

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