Photo: Pubdog · Public domainMore hazard damage per building is expected in Warren than in 90% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Warren gets a D for hazard risk: higher expected damage per building than 90% of U.S. towns, #1,023 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (98%). Flood insurance has paid 3 claims here since 1993.
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 Warren 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 Warren’s grade
River and rain flooding is 98% of the building damage FEMA expects in Warren, and Warren’s rate of river and rain flooding damage is in the top 4% of U.S. census tracts.
D #1,023 of 1,037 in Pennsylvania; higher expected damage per building than 90% of U.S. towns (21,298).
Warren’s residents live in 3 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, Warren has more expected damage per building than 99% of Pennsylvania towns.
In dollars, FEMA expects about $5.7M a year in losses across Warren: $5.2M to buildings, the rest to people and crops.
Does Warren flood? Rarely: 3 flood claims since 1993
Every paid claim on a federal flood insurance policy in Warren, from FEMA’s records: 0.6 per 1,000 homes, fewer than 87% of the 13,809 U.S. towns with a flood insurance record.
Warren isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Warren County.2 federal disasters brought FEMA money to Warren
Disasters that paid out in Warren itself (aid to households or repair grants to the City of Warren), newest first, with that year’s flood claims.
- 2004Severe Storms and Flooding Associated with Tropical Depression Frances7 households applied for aid$16K aid approved
- 2003Severe Storms, Tornadoes, and Flooding50 households applied for aid$88K aid approved
Warren County has had 7 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Warren after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Warren archive →Warren and its neighbors
Warren is 3rd of the 5 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 |
|---|---|---|---|
| Mead Township | C−more damage than 82% | river and rain flooding | 4 |
| Glade Township | Dmore damage than 87% | river and rain flooding | 10 |
| Warren | Dmore damage than 90% | river and rain flooding | 3 |
| Pleasant Township | Dmore damage than 90% | river and rain flooding | 2 |
| Conewango Township | Dmore damage than 91% | river and rain flooding | 8 |
| North Warren | — | 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 Warren 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 Warren
Is Warren at risk for natural disasters?
On FEMA’s National Risk Index, Warren has higher expected damage per building than 90% of U.S. towns: D for hazard risk, #1,023 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 Warren flood?
Flood insurance has paid 3 claims in Warren since 1993, $20K in all, or 0.6 per 1,000 homes, fewer than 87% of U.S. towns with a flood insurance record.
Is Warren 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 Warren County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Warren?
FEMA’s Community Rating System list shows no discount for Warren’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 Warren?
By FEMA money that reached Warren, Severe Storms, Tornadoes, and Flooding (2003): 50 households applied for aid, $88K approved.
Is Warren at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (98%), and Warren’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Warren.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Warren’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.