Allentown, PA Flood Zone Lookup
Last updated: March 2026
Allentown faces flooding from the Lehigh River and Jordan Creek. The city's location in the Lehigh Valley makes it vulnerable to heavy rainfall events that overwhelm the Lehigh River watershed.
Lehigh County has recorded 965 NFIP flood insurance claims since 1978, totaling $12.4M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 3
NFIP Policies
669
Lehigh County
Avg. Premium
$1,977/yr
Lehigh County
FEMA Flood Risk Profile: Lehigh County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively HighEst. annual loss: $68.0M
Hurricane Risk
Relatively ModerateEst. annual loss: $6.9M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Lehigh County
Lehigh County has been included in 8 federal flood-related disaster declarations.
...and 1 earlier declaration since 1972.
These declarations affected communities across Lehigh County, including Allentown.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Lehigh County
Properties in Lehigh County have filed 965 NFIP flood insurance claims totaling $12.4M in payouts since 1978. The average claim payout is $13K.
Highest-Claim Years
1979
131 claims - $485K
1987
91 claims - $1.9M
2020
88 claims - $3.0M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Lehigh County
Only roughly 1 in 221 households in Lehigh County carries NFIP flood insurance (0.5% of estimated households). With 116 recorded flood events and $37.8M in damage, most flood losses in this county are likely uninsured.
Penetration Rate
0.5%
roughly 1 in 221 households
Historical Claims Ratio
1 in 1
965 claims over 45+ years across 669 current policies
Avg. Claim Payout
$12,875
Per claim, county-wide since 1978
Historically, Lehigh County has averaged 1.4 claims for every active policy (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of March 2026, claims since 1978 (March 2026), population from FEMA NRI. All figures are county-wide and include Allentown.
What Your Flood Zone Means in Allentown
Allentown faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Allentown are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $68.0M.
Riverine flood risk in Allentown is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Allentown address.
Repetitive Loss Properties: Lehigh County
Lehigh County has 107 properties with multiple flood insurance losses, including 21 severe repetitive loss properties. 2 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced March 2026.
Multiple Loss
107
2+ claims within 10 years
Severe Repetitive Loss
21
4+ claims or 2 exceeding value
Mitigated
2
Received FEMA mitigation
By Flood Zone
Zone data available for 100 of 107 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: Lehigh County
NOAA has recorded 116 flood events in Lehigh County since 1996, causing $37.8M in damage and 1 death.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Lehigh County
FEMA has funded mitigation for 13 properties in Lehigh County, investing $0 in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
Allentown, PA Flood Zone FAQ
What flood zones are in Allentown, PA?
The most common FEMA flood zones in Allentown are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Allentown?
If your Allentown property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Allentown?
Enter your Allentown address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
How high is flood risk in Allentown?
According to FEMA's National Risk Index, Lehigh County (where Allentown is located) has a "Relatively High" rating for inland flood risk. The estimated annual flood loss for the county is $68.0M. This county-level assessment considers historical flood losses, social vulnerability, and community resilience.
Has Allentown experienced major flooding events?
Lehigh County, where Allentown is located, has been part of 8 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Sandy in 2012. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Allentown?
Lehigh County has recorded 965 NFIP flood insurance claims totaling $12.4M in payouts since 1978. The year with the most claims was 1979, with 131 claims and $485K in payouts. These figures cover all NFIP claims in the county, including Allentown.
How many flood insurance policies are active in Allentown?
Lehigh County currently has 669 active NFIP flood insurance policies with an average annual premium of $1,977. The most policies are in Zone AE (360 policies). These figures cover all active NFIP policies in the county.
How many Allentown properties have flooded repeatedly?
Lehigh County has 107 properties with multiple flood losses on record, including 21 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Allentown property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Allentown?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Allentown's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other Pennsylvania Cities
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Look Up Any Allentown, PA Address
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Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.