FloodFireCheck

Does Wissahickon flood?

Wissahickon, Philadelphia, PA · ZIP codes 19127 and 19128: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines.

Yes. Insured properties in and around Wissahickon have filed flood claims. About 16% of Wissahickon’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 100 claims from the Census block groups that cover Wissahickon, from 1978 through 2021. 86 of them received a payment, totaling $9,020,029 (not adjusted for inflation). The busiest years were 2011 (12 claims), 1999 (11 claims), 2021 (10 claims).

Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.

16%
of the area in FEMA high-risk zones (SFHA)
100
NFIP claims on record, 1978–2021
$9,020,029
paid on 86 claims (nominal dollars)
15
claims with a loss year of 2015 or later

Check a specific address in Wissahickon

Neighborhood figures are averages. Our address check looks up the FEMA flood zone at one address, from the same public maps: check if your address is in a flood zone.

Flood zones street by street in Wissahickon

The named streets in Wissahickon, longest first, with how much of each street’s length inside Wissahickon lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Wissahickon; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that.

StreetLengthIn high-risk zonesMain zone
Ridge Ave3,870 ft0.8%X (unshaded, minimal) (94%)
Main St3,750 ft78%AE (78%)
Cresson St3,020 ft0.0%X (unshaded, minimal) (100%)
Rochelle Ave2,780 ft0.0%X (unshaded, minimal) (100%)
Osborn St2,380 ft0.0%X (unshaded, minimal) (100%)
Osborne St2,380 ft0.0%X (unshaded, minimal) (100%)
Righter St2,240 ft0.0%X (unshaded, minimal) (100%)
Sumac St2,140 ft0.0%X (unshaded, minimal) (100%)
Hermit St1,970 ft0.0%X (unshaded, minimal) (100%)
Kalos St1,580 ft0.0%X (unshaded, minimal) (100%)
Lauriston St1,540 ft0.0%X (unshaded, minimal) (100%)
Manayunk Ave1,320 ft0.0%X (unshaded, minimal) (100%)
Vicaris St1,070 ft0.0%X (unshaded, minimal) (100%)
Sharp St880 ft0.0%X (unshaded, minimal) (100%)
E Salaignac St870 ft0.0%X (unshaded, minimal) (100%)
Quentin St830 ft0.0%X (unshaded, minimal) (100%)
Rock St760 ft0.0%X (unshaded, minimal) (100%)
Barnes St720 ft0.0%X (unshaded, minimal) (100%)
Markle St650 ft0.0%X (unshaded, minimal) (100%)
East St610 ft0.0%X (unshaded, minimal) (100%)
Seville St550 ft0.0%X (unshaded, minimal) (100%)
Freeland Ave550 ft0.0%X (unshaded, minimal) (100%)
Kingsley St500 ft0.0%X (unshaded, minimal) (100%)

Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved November 7, 2026. Each street is clipped to the neighborhood boundary and measured in an equal-area projection. Street lengths are rounded.

Flood zones in Wissahickon

Share of Wissahickon’s mapped area (about 0.842 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Effective date of the FIRM panel(s) covering it (4207570088G, 4207570089G, 42091C0388G, 42091C0389G): January 17, 2007, March 2, 2016.

FEMA zoneShare of area
X (unshaded, minimal)79%
AE16%
X (shaded, 0.2% annual chance)4.8%

What the zones mean

Zone AE (and A, AH, AO)
High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
Zone VE (and V)
High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
Zone X (shaded)
Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
Zone X (unshaded)
Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.

Source: FEMA Glossary: Flood Zones.

Flood insurance claims over time

Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Wissahickon. About 76% of the combined area of those block groups lies inside Wissahickon, so the claim figures also reflect some nearby blocks. Only insured properties appear, so these counts understate total flooding.

By decade

DecadeClaimsPaid
1970s11$86,507
1980s11$33,495
1990s22$1,978,773
2000s17$980,544
2010s24$2,683,932
2020s15$3,256,778

By year of loss

19782
19799
19801
19811
19845
19852
19871
19891
19932
19941
19968
199911
20045
20052
20069
20091
20104
201112
20148
20205
202110

Named flood events with the most claims

FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:

Why home insurance costs what it does in Wissahickon

This section is educational and is not insurance advice.

Flood insurance

ZIP codes do not follow neighborhood lines. These are the ZIP codes on at least 5% of the flood claims counted for Wissahickon, within 10 km of it.

  • ZIP code 19127: the median National Flood Insurance Program policy cost for single-family homes was $1,315 a year, the middle of 22 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $990 and $1,435. These policies are priced under Risk Rating 2.0.
  • ZIP code 19127: NFIP records list 183 flood claims with a loss year from 1978 through 2021. The claims dataset is as of September 8, 2026.
  • ZIP code 19128: the median National Flood Insurance Program policy cost for single-family homes was $610 a year, the middle of 17 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $478 and $1,298. These policies are priced under Risk Rating 2.0.
  • ZIP code 19128: NFIP records list 84 flood claims with a loss year from 1978 through 2021. The claims dataset is as of September 8, 2026.

Fire and wind

  • USDA Forest Service Wildfire Risk to Communities gives Philadelphia, PA a Risk to Homes national percentile rank of 0.321, which its methods call Low (below the 40th percentile). That is the city rating, not a rating of Wissahickon alone. The summary file is dated April 15, 2026.

What to ask your agent

  • Ask the agent how old the roof is.
  • Ask whether a wind-mitigation discount is available for this house.
  • Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy.
  • Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated.
  • Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.

Flood coverage and the 30-day wait: FEMA fact sheet, Jan. 21, 2025; 44 CFR 61.11.

What do NFIP records show for flood insurance in Wissahickon?

ZIP code 19127: the median National Flood Insurance Program policy cost for single-family homes was $1,315 a year, the middle of 22 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $990 and $1,435. These policies are priced under Risk Rating 2.0. ZIP code 19127: NFIP records list 183 flood claims with a loss year from 1978 through 2021. The claims dataset is as of September 8, 2026. ZIP code 19128: the median National Flood Insurance Program policy cost for single-family homes was $610 a year, the middle of 17 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $478 and $1,298. These policies are priced under Risk Rating 2.0. ZIP code 19128: NFIP records list 84 flood claims with a loss year from 1978 through 2021. The claims dataset is as of September 8, 2026.

What do public fire and wind records show for Wissahickon?

USDA Forest Service Wildfire Risk to Communities gives Philadelphia, PA a Risk to Homes national percentile rank of 0.321, which its methods call Low (below the 40th percentile). That is the city rating, not a rating of Wissahickon alone. The summary file is dated April 15, 2026.

What should I ask an insurance agent about a home in Wissahickon?

Ask the agent how old the roof is. Ask whether a wind-mitigation discount is available for this house. Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy. Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated. Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.

Sources: OpenFEMA NFIP Redacted Policies v3; OpenFEMA NFIP Redacted Claims v3; USDA Forest Service, Wildfire Risk to Communities, community summaries; Wildfire Risk to Communities methods.

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Before you rent or buy in Wissahickon

Living in Wissahickon

Flood maps are only one part of choosing a neighborhood. To compare Wissahickon with other Philadelphia neighborhoods on more than flooding, see Philadelphia on StrollPlace.

Buyer and renter FAQ

Does Wissahickon flood?

Yes. Insured properties in and around Wissahickon have filed flood claims. About 16% of Wissahickon’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 100 claims from the Census block groups that cover Wissahickon, from 1978 through 2021. 86 of them received a payment, totaling $9,020,029 (not adjusted for inflation). The busiest years were 2011 (12 claims), 1999 (11 claims), 2021 (10 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.

Is Wissahickon in a flood zone?

About 16% of Wissahickon’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: X (unshaded, minimal) 79%; AE 16%; X (shaded, 0.2% annual chance) 4.8%. The FIRM panel(s) covering it took effect January 17, 2007, March 2, 2016.

Which streets in Wissahickon are in a high-risk flood zone?

Most of the length of Main St lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Ridge Ave, Cresson St, Rochelle Ave, Osborn St, Osborne St, Righter St, Sumac St and Hermit St does. Zones can change along a street, so check the exact address.

What ZIP code is Wissahickon in?

Wissahickon is in Philadelphia, PA. ZIP codes 19127 and 19128: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.

Do renters need flood insurance?

Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.

How long does a new flood policy take to start?

A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.

How much coverage can NFIP provide?

For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.

FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.

Nearby neighborhoods

How these numbers were made

Neighborhood boundary: Philadelphia Neighborhoods by Robert Cheetham (Azavea), published on OpenDataPhilly, licensed CC BY 4.0 (CC BY 4.0). Flood zone shares: the neighborhood polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved November 7, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Philadelphia County (county code 42101), dataset as of September 8, 2026, retrieved November 7, 2026. A 2010 Census block group is counted for a neighborhood when at least 25% of the block group lies inside the neighborhood, or at least 25% of the neighborhood lies inside the block group. Block groups used: 421010209003 (95.8% of the block group is inside Wissahickon), 421010210004 (47.5% of the block group is inside Wissahickon), 421010209004 (72.4% of the block group is inside Wissahickon), 421010209001 (83.1% of the block group is inside Wissahickon), 421010209002 (85.1% of the block group is inside Wissahickon), 421010211001 (99.4% of the block group is inside Wissahickon). Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. See the methodology.

Sources

  1. Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on November 7, 2026.
  2. FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on November 7, 2026.
  3. Philadelphia Neighborhoods by Robert Cheetham (Azavea), published on OpenDataPhilly, licensed CC BY 4.0 (CC BY 4.0).
  4. U.S. Census Bureau TIGERweb, 2010 Census Block Groups.
  5. FEMA Glossary: Flood Zones.
  6. FloodSmart (NFIP): Buy a Flood Insurance Policy.
  7. FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
  8. 44 CFR 61.11, Effective date and time of coverage.
  9. OpenFEMA Terms and Conditions.
  10. OpenFEMA NFIP Redacted Policies v3.
  11. OpenFEMA NFIP Redacted Claims v3.
  12. USDA Forest Service, Wildfire Risk to Communities, community summaries.
  13. Wildfire Risk to Communities methods.
  14. U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).

Data as of September 8, 2026 (FEMA claims) and November 7, 2026 (flood zones). Page last updated November 7, 2026.