Somerset County, Pennsylvania: hazard risk
FEMA rates Somerset County's overall risk Relatively Low (score 64.2 of 100, higher than 64% of rated U.S. counties). Its storm record holds 652 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 |
|---|---|---|---|
| Riverine Flooding | Relatively Moderate | 80.0 | $18M |
| Lightning | Relatively Moderate | 79.7 | $657K |
| Winter Weather | Relatively Moderate | 75.2 | $154K |
| Strong Wind | Relatively Moderate | 62.3 | $715K |
| Landslide | Relatively Low | 81.4 | $17K |
| Hurricane | Relatively Low | 73.2 | $721K |
| Hail | Relatively Low | 62.1 | $377K |
| Drought | Relatively Low | 50.8 | $141K |
| Tornado | Relatively Low | 35.5 | $631K |
| Ice Storm | Relatively Low | 29.9 | $29K |
| Earthquake | Very Low | 54.2 | $315K |
| Avalanche | Very Low | 44.7 | $335 |
| Wildfire | Very Low | 40.8 | $25K |
| Heat Wave | Very Low | 20.3 | $58K |
| Cold Wave | Very Low | 11.7 | $95K |
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 | 299 | 2 | $1.2M | 59th of 67 | 1748th of 3,080 |
| Winter storms | 142 | 1 | $66K | 44th of 67 | 1143rd of 3,077 |
| Floods | 85 | 0 | $1.3M | 52nd of 67 | 1524th of 3,080 |
| Hail | 36 | 0 | $10K | 63rd of 67 | 2668th of 3,080 |
| High wind and dust storms | 33 | 1 | $539K | 44th of 67 | 1407th of 3,080 |
| Extreme cold | 26 | 1 | – | 21st of 67 | 994th of 3,076 |
| Tornadoes | 15 | 1 | $10M | 53rd of 67 | 2335th of 3,080 |
| Drought | 10 | 0 | – | 32nd of 67 | 2036th of 3,063 |
| Lightning | 3 | 1 | – | 30th of 67 | 1664th of 3,080 |
| Hurricanes and tropical storms | 1 | 0 | – | 36th of 67 | 1046th 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 Somerset County record: every hazard by year and month, the deadliest events and FEMA's declarations.