Photo: formulanone · CC BY-SA 2.0FEMA expects about as much hazard damage per building in Terre Hill as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Terre Hill gets a B for hazard risk: lower expected damage per building than 56% of U.S. towns. Most of that expected damage is river and rain flooding (80%), then hurricanes (13%). FEMA’s files show no paid flood insurance claims here.
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 Terre Hill 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
Hurricanes
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 Terre Hill’s grade
River and rain flooding is 80% of the building damage FEMA expects in Terre Hill, and Terre Hill’s rate of river and rain flooding damage is higher than 61% of U.S. census tracts. Next is hurricanes at 13% (higher than 82% of U.S. census tracts).
B lower expected damage per building than 56% of U.S. towns (21,298).
All of Terre Hill’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $532K a year in losses across Terre Hill: $402K to buildings, the rest to people and crops.
Does Terre Hill flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Terre Hill. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Terre Hill isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lancaster County.The storms Terre Hill remembers
None of the 18 disasters declared for Lancaster County shows FEMA aid or repair money reaching Terre Hill itself in FEMA’s records, so these are its biggest flood-claim years.
Lancaster County has had 18 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.
Get ready for what Terre Hill 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.
- 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.
- 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 Terre Hill
Is Terre Hill at risk for natural disasters?
On FEMA’s National Risk Index, Terre Hill has lower expected damage per building than 56% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (80%) and hurricanes (13%). 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.
Is Terre Hill 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 Lancaster County, 27% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Terre Hill?
FEMA’s Community Rating System list shows no discount for Terre Hill’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Terre Hill at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Terre Hill’s rate for it is higher than 61% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Terre Hill.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Terre Hill’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.