Flood Help Guide

Westmoreland County flood history

Pennsylvania · From FEMA's flood insurance and disaster data · Updated 2026-10-08

1,612NFIP flood claims since 1978
$21.6 millionPaid on those claims
$24,227Average paid claimlast 10 years
0.5%Homes with NFIP flood insurance
$1,210Typical yearly NFIP costsingle-family home
1Flood disaster declarationssince 2000

FEMA's National Flood Insurance Program (NFIP) data lists 1,612 flood insurance claims in Westmoreland County, Pennsylvania since 1978. The NFIP paid $21.6 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).

The year with the most claims was 1996, with 231, mostly from Flooding.

In the last ten years (2017–2026) there were 367 claims, and the average paid claim was $24,227.

35% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).

About 0.5% of homes in Westmoreland County, Pennsylvania had an NFIP flood policy in FEMA's latest count (752 of 143,144 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 21% (566 of 2,720).

Since 2000, FEMA has made 1 flood-related disaster declaration covering Westmoreland County, Pennsylvania. The most recent was DR-1555-PA (Severe Storms and Flooding Associated With Tropical Depression Frances), declared September 19, 2004.

NFIP claims by year

NFIP flood claims per year in Westmoreland County, Pennsylvania062.5125187.52501978: 66 claims, $58,865 paid1979: 61 claims, $101,813 paid1980: 17 claims, $16,049 paid19801981: 53 claims, $263,259 paid1982: 6 claims, $2,730 paid1983: 5 claims, $15,540 paid1984: 7 claims, $49,637 paid1985: 134 claims, $314,177 paid1986: 3 claims, $0 paid1987: 13 claims, $33,375 paid1988: 2 claims, $0 paid1989: 13 claims, $11,561 paid1990: 17 claims, $42,112 paid19901992: 14 claims, $45,663 paid1993: 3 claims, $34,156 paid1994: 8 claims, $21,620 paid1995: 3 claims, $396 paid1996: 231 claims, $2.1 million paid1997: 52 claims, $206,469 paid1998: 4 claims, $1,773 paid1999: 9 claims, $26,067 paid2000: 19 claims, $100,589 paid20002001: 1 claims, $0 paid2002: 5 claims, $41,675 paid2003: 39 claims, $145,773 paid2004: 124 claims, $3.0 million paid2005: 30 claims, $1.3 million paid2006: 7 claims, $257,245 paid2007: 27 claims, $366,108 paid2008: 6 claims, $55,684 paid2009: 124 claims, $4.2 million paid2010: 11 claims, $22,710 paid20102011: 12 claims, $108,582 paid2012: 26 claims, $398,948 paid2013: 35 claims, $443,202 paid2014: 16 claims, $51,372 paid2015: 20 claims, $176,167 paid2016: 22 claims, $276,224 paid2017: 15 claims, $147,834 paid2018: 175 claims, $4.0 million paid2019: 53 claims, $647,503 paid2020: 6 claims, $76,378 paid20202021: 8 claims, $71,610 paid2022: 16 claims, $609,175 paid2023: 3 claims, $46,052 paid2024: 28 claims, $336,784 paid2025: 22 claims, $1.0 million paid2026: 41 claims, $283,294 paid
Claims per year of loss. Hover or tap a bar for details.
Show as a table
YearClaimsPaid
202641$283,294
202522$1.0 million
202428$336,784
20233$46,052
202216$609,175
20218$71,610
20206$76,378
201953$647,503
2018175$4.0 million
201715$147,834
201622$276,224
201520$176,167
201416$51,372
201335$443,202
201226$398,948
201112$108,582
201011$22,710
2009124$4.2 million
20086$55,684
200727$366,108
20067$257,245
200530$1.3 million
2004124$3.0 million
200339$145,773
20025$41,675
20011$0
200019$100,589
19999$26,067
19984$1,773
199752$206,469
1996231$2.1 million
19953$396
19948$21,620
19933$34,156
199214$45,663
199017$42,112
198913$11,561
19882$0
198713$33,375
19863$0
1985134$314,177
19847$49,637
19835$15,540
19826$2,730
198153$263,259
198017$16,049
197961$101,813
197866$58,865

Named flood events

EventYearClaimsPaid
Tropical Storm Ivan2004103$2.9 million
Flooding1996205$1.6 million
Hurricane Sandy201222$384,811
Hurricane Ida20215$58,127
Flooding19841$46,252
Flooding198512$27,297
March 2010 Nor'easter20104$10,429
Tropical Storm Bill20151$0

How many homes have flood insurance

FEMA counts 752 residential NFIP policies in Westmoreland County, against 143,144 residential buildings (0.5%). Of the 2,720 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 566 have an NFIP policy (21%). Private flood policies aren't in these counts.

Whether you're required to carry flood insurance depends on your flood zone and your mortgage. See do I need flood insurance?

What flood insurance costs in Westmoreland County

On June 30, 2026, 907 NFIP flood insurance policies were in force in Westmoreland County, Pennsylvania. For the 692 single-family homes among them, the typical (median) yearly cost was about $1,210; the average was $1,440.

Rated flood zonePoliciesTypical yearly cost, single-family homeAverage costAverage building coverage
High-risk zones (A and V)683$1,360$1,620$137,000
Moderate- and low-risk zones (B, C and X)224$760$910$196,000

Cost here is what FEMA's data lists as the policy cost: the premium plus the reserve fund assessment, federal policy fee and HFIAA surcharge. It covers single-family homes only (not condos, apartments or businesses), with costs rounded to the nearest $10 and shown only where at least 20 homes back the figure. Your own price depends on your building and the coverage you choose; see how flood insurance is priced. Private flood insurance isn't included.

Flood-related disaster declarations

DeclarationDeclaredEventHelp for individuals
DR-1555-PA Sep 19, 2004 Severe Storms and Flooding Associated With Tropical Depression Frances Yes

Check your own address

County numbers can't tell you about a single building. Look up your property on FEMA's flood map, then read what your flood zone means. More counties: all of Pennsylvania.

Where these numbers come from

All figures on this page are calculated from FEMA's public OpenFEMA datasets:

FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.