Photo: Adam Moss · CC BY-SA 2.0FEMA expects more hazard damage per building in Titusville than in 79% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Titusville gets a C− for hazard risk: higher expected damage per building than 79% of U.S. towns, #966 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (95%). Flood insurance has paid 77 claims here since 1980.
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 Titusville 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 Titusville’s grade
River and rain flooding is 95% of the building damage FEMA expects in Titusville, and Titusville’s rate of river and rain flooding damage is higher than 90% of U.S. census tracts.
C− #966 of 1,037 in Pennsylvania; higher expected damage per building than 79% of U.S. towns (21,298).
Titusville’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, Titusville has more expected damage per building than 93% of Pennsylvania towns.
In dollars, FEMA expects about $3.0M a year in losses across Titusville: $2.8M to buildings, the rest to people and crops.
Does Titusville flood? Sometimes: 77 flood claims since 1980
Every paid claim on a federal flood insurance policy in Titusville, from FEMA’s records: 27.5 per 1,000 homes, more than 87% of the 13,809 U.S. towns with a flood insurance record.
Titusville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Crawford County.1 federal disaster brought FEMA money to Titusville
Disasters that paid out in Titusville itself (aid to households or repair grants to the City of Titusville), newest first, with that year’s flood claims.
- 2003Severe Storms, Tornadoes, and Flooding19 households applied for aid$71K aid approved11 flood claims paid that year
Crawford 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.
Old photos of Titusville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Titusville archive →Titusville and its neighbors
Titusville is 2nd of the 2 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 |
|---|---|---|---|
| Oil Creek Township | Cmore damage than 68% | river and rain flooding | 14 |
| Titusville | C−more damage than 79% | river and rain flooding | 77 |
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 Titusville 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 Titusville
Is Titusville at risk for natural disasters?
On FEMA’s National Risk Index, Titusville has higher expected damage per building than 79% of U.S. towns: C− for hazard risk, #966 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (95%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Titusville flood?
Flood insurance has paid 77 claims in Titusville since 1980, $473K in all, or 27.5 per 1,000 homes, more than 87% of U.S. towns with a flood insurance record. 14 properties have flooded more than once.
Is Titusville 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 Crawford County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Titusville?
FEMA’s Community Rating System list shows no discount for Titusville’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 Titusville?
By FEMA money that reached Titusville, Severe Storms, Tornadoes, and Flooding (2003): 19 households applied for aid, $71K approved.
Is Titusville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (95%), and Titusville’s rate for it is higher than 90% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Titusville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Titusville’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.