Cumberland County, Pennsylvania: hazard risk
FEMA rates Cumberland County's overall risk Relatively Moderate (score 86.2 of 100, higher than 86% of rated U.S. counties); 2 of its 15 hazards are rated Relatively High or Very High, led by winter weather, strong wind. Its storm record holds 592 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 |
|---|---|---|---|
| Winter Weather | Relatively High | 94.1 | $697K |
| Strong Wind | Relatively High | 92.9 | $2.8M |
| Riverine Flooding | Relatively Moderate | 91.1 | $50M |
| Hurricane | Relatively Moderate | 87.4 | $6.0M |
| Heat Wave | Relatively Moderate | 85.6 | $2.4M |
| Lightning | Relatively Moderate | 77.4 | $741K |
| Tornado | Relatively Moderate | 68.2 | $2.7M |
| Earthquake | Relatively Low | 81.9 | $2.3M |
| Landslide | Relatively Low | 74.8 | $10K |
| Drought | Relatively Low | 58.3 | $292K |
| Ice Storm | Relatively Low | 46.4 | $83K |
| Cold Wave | Relatively Low | 42.1 | $816K |
| Wildfire | Very Low | 47.6 | $47K |
| Avalanche | Very Low | 32.0 | $140 |
| Hail | Very Low | 14.3 | $54K |
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 | 292 | 0 | $1.3M | 21st of 67 | 480th of 3,080 |
| Floods | 82 | 2 | $1.7M | 22nd of 67 | 605th of 3,080 |
| Winter storms | 73 | 2 | $78K | 43rd of 67 | 1134th of 3,077 |
| Hail | 63 | 0 | – | 30th of 67 | 2150th of 3,080 |
| High wind and dust storms | 33 | 3 | $292K | 24th of 67 | 860th of 3,080 |
| Tornadoes | 17 | 0 | $4.9M | 25th of 67 | 1762nd of 3,080 |
| Heat | 11 | 0 | – | 15th of 67 | 994th of 3,076 |
| Drought | 9 | 0 | – | 20th of 67 | 1766th of 3,063 |
| Extreme cold | 4 | 0 | – | 63rd of 67 | 2223rd of 3,076 |
| Lightning | 4 | 1 | $18K | 18th of 67 | 931st of 3,080 |
| Wildfires | 2 | 0 | $1.9M | 10th of 67 | 616th of 2,972 |
| Hurricanes and tropical storms | 1 | 0 | – | 24th of 67 | 943rd of 1,849 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Cumberland County record: every hazard by year and month, the deadliest events and FEMA's declarations.