On FEMA’s figures, Yoe faces less hazard damage per building than 95% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Yoe gets an A for hazard risk: lower expected damage per building than 95% of U.S. towns. Most of that expected damage is river and rain flooding (65%), then hurricanes (25%). Flood insurance has paid 1 claim here since 1978.
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 Yoe 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
Earthquakes
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 Yoe’s grade
River and rain flooding is 65% of the building damage FEMA expects in Yoe, and Yoe’s rate of river and rain flooding damage is lower than 89% of U.S. census tracts. Next is hurricanes at 25% (higher than 83% of U.S. census tracts).
A lower expected damage per building than 95% of U.S. towns (21,298).
All of Yoe’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $125K a year in losses across Yoe: $85K to buildings, the rest to people and crops.
Does Yoe flood? Rarely: 1 flood claim since 1978
Every paid claim on a federal flood insurance policy in Yoe, from FEMA’s records: 2.1 per 1,000 homes, fewer than 61% of the 13,809 U.S. towns with a flood insurance record.
Yoe isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: York County.1 federal disaster brought FEMA money to Yoe
Disasters that paid out in Yoe itself (aid to households or repair grants to the Borough of Yoe), newest first, with that year’s flood claims.
- 2011Tropical Storm Lee9 households applied for aid$11K aid approved
York County has had 17 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Yoe after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Yoe archive →Get ready for what Yoe 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Yoe
Is Yoe at risk for natural disasters?
On FEMA’s National Risk Index, Yoe has lower expected damage per building than 95% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (65%) and hurricanes (25%). 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.
Does Yoe flood?
Flood insurance has paid 1 claim in Yoe since 1978, $3K in all, or 2.1 per 1,000 homes, fewer than 61% of U.S. towns with a flood insurance record.
Is Yoe 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 York County, 30% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Yoe?
FEMA’s Community Rating System list shows no discount for Yoe’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 Yoe?
By FEMA money that reached Yoe, Tropical Storm Lee (2011): 9 households applied for aid, $11K approved.
Is Yoe at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (65%), and Yoe’s rate for it is lower than 89% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Yoe.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Yoe’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.