Photo: Jet Lowe · Public domainFEMA puts Pymatuning Township’s expected hazard damage per building below that of 69% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Pymatuning Township gets a B+ for hazard risk: lower expected damage per building than 69% of U.S. towns, #537 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (90%). Flood insurance has paid 6 claims here since 2003.
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 Pymatuning Township 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 Pymatuning Township’s grade
River and rain flooding is 90% of the building damage FEMA expects in Pymatuning Township, and Pymatuning Township’s rate of river and rain flooding damage is higher than 59% of U.S. census tracts.
B+ #537 of 1,037 in Pennsylvania; lower expected damage per building than 69% of U.S. towns (21,298).
Pymatuning Township’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, Pymatuning Township has more expected damage per building than 52% of Pennsylvania towns.
In dollars, FEMA expects about $1.1M a year in losses across Pymatuning Township: $990K to buildings, the rest to people and crops.
Does Pymatuning Township flood? Rarely: 6 flood claims since 2003
Every paid claim on a federal flood insurance policy in Pymatuning Township, from FEMA’s records: 4.1 per 1,000 homes, more than 55% of the 13,809 U.S. towns with a flood insurance record.
Pymatuning Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Mercer County.The storms Pymatuning Township remembers
None of the 10 disasters declared for Mercer County shows FEMA aid or repair money reaching Pymatuning Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20033 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Mercer County
- 20113 flood claims paidNo declaration for the county that year
Mercer County has had 10 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 Pymatuning Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Pymatuning Township archive →Pymatuning Township and its neighbors
Pymatuning Township is 2nd of the 3 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 |
|---|---|---|---|
| South Pymatuning Township | A−less damage than 78% | river and rain flooding | 1 |
| Pymatuning Township | B+less damage than 69% | river and rain flooding | 6 |
| Delaware Township | B+less damage than 67% | river and rain flooding | — |
| Clark | — | 585 residents; we grade 1,000+ | |
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 Pymatuning Township 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 Pymatuning Township
Is Pymatuning Township at risk for natural disasters?
On FEMA’s National Risk Index, Pymatuning Township has lower expected damage per building than 69% of U.S. towns: B+ for hazard risk, #537 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (90%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Pymatuning Township flood?
Flood insurance has paid 6 claims in Pymatuning Township since 2003, $55K in all, or 4.1 per 1,000 homes, more than 55% of U.S. towns with a flood insurance record. 2 properties have flooded more than once.
Is Pymatuning Township 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 Mercer County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Pymatuning Township?
FEMA’s Community Rating System list shows no discount for Pymatuning Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Pymatuning Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Pymatuning Township’s rate for it is higher than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Pymatuning Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pymatuning Township’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.