Photo: PennDOT · Public domainStorms, floods and disasters in Westover
Westover isn’t graded for hazard risk: Westover has 323 residents; we grade towns of 1,000 or more. Flood insurance has paid 7 claims here since 1996.
What Westover 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.
Does Westover flood? Rarely: 7 flood claims since 1996
Every paid claim on a federal flood insurance policy in Westover, from FEMA’s records.
Westover isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clearfield County.1 federal disaster brought FEMA money to Westover
Disasters that paid out in Westover itself (aid to households or repair grants to the Borough of Westover), newest first, with that year’s flood claims.
- 2004Tropical Depression Ivan2 households applied for aid$4K aid approved
Clearfield County has had 14 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 Westover after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Westover archive →Westover and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Burnside Township | B−more damage than 53% | river and rain flooding | 24 |
| Chest Township | — | 503 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 Westover 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 Westover
Does Westover flood?
Flood insurance has paid 7 claims in Westover since 1996, $58K in all. 1 properties have flooded more than once.
Is Westover 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 Clearfield County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Westover?
FEMA’s Community Rating System list shows no discount for Westover’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 Westover?
By FEMA money that reached Westover, Tropical Depression Ivan (2004): 2 households applied for aid, $4K approved.
Storm stories
Memories, warnings and help from neighbors in Westover.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Westover’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.