Bedford County, Pennsylvania: hazard risk
FEMA rates Bedford County's overall risk Relatively Low (score 68.2 of 100, higher than 68% of rated U.S. counties). Its storm record holds 410 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Landslide | Relatively Moderate | 92.2 | $68K |
| Riverine Flooding | Relatively Moderate | 84.0 | $21M |
| Strong Wind | Relatively Moderate | 53.1 | $540K |
| Hurricane | Relatively Low | 77.8 | $1.3M |
| Lightning | Relatively Low | 43.1 | $163K |
| Winter Weather | Relatively Low | 37.9 | $38K |
| Avalanche | Very Low | 57.7 | $1K |
| Earthquake | Very Low | 44.5 | $180K |
| Hail | Very Low | 33.4 | $122K |
| Heat Wave | Very Low | 31.1 | $127K |
| Wildfire | Very Low | 29.2 | $12K |
| Drought | Very Low | 29.1 | $20K |
| Tornado | Very Low | 26.0 | $348K |
| Ice Storm | Very Low | 20.0 | $15K |
| Cold Wave | Very Low | 8.0 | $48K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 172 | 0 | $600K | 66th of 67 | 2143rd of 3,080 |
| Winter storms | 75 | 1 | $29K | 65th of 67 | 1926th of 3,077 |
| Floods | 58 | 2 | $271K | 51st of 67 | 1522nd of 3,080 |
| Hail | 41 | 0 | $12K | 59th of 67 | 2658th of 3,080 |
| High wind and dust storms | 24 | 0 | $259K | 54th of 67 | 1676th of 3,080 |
| Tornadoes | 13 | 0 | $1.8M | 59th of 67 | 2424th of 3,080 |
| Drought | 12 | 0 | – | 26th of 67 | 1929th of 3,063 |
| Extreme cold | 10 | 0 | – | 53rd of 67 | 1878th of 3,076 |
| Heat | 3 | 0 | – | 39th of 67 | 2089th of 3,076 |
| Hurricanes and tropical storms | 1 | 0 | – | 35th of 67 | 1039th of 1,849 |
| Lightning | 1 | 0 | $1K | 49th of 67 | 2248th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Bedford County record: every hazard by year and month, the deadliest events and FEMA's declarations.