Climate Risk Summary

Ferndale, PA Risk Profile

The primary drivers of climate-related financial risk in Ferndale, PA are Inland Flooding, Cold Wave, and Tornado. Based on recent federal data, homeowners in this market face an estimated average annual insurance premium of $919, with a local policy non-renewal rate of 0.5%.

City Risk Scorecard
Physical Resilience55/100

Based on FEMA EAL and hazard intensity.

Insurance Stability
Market Stable

Metrics indicate a balanced risk-to-premium environment with standard renewal rates.

Primary Risks

Inland Flooding

$301,333

Expected Annual Loss for Ferndale

14.9Score

Relatively Low compared to US average

Ferndale
Minimal Estimated LossMax Estimated Loss

Cold Wave

$21,914

Expected Annual Loss for Ferndale

30.5Score

Relatively Low compared to US average

Ferndale
Minimal Estimated LossMax Estimated Loss

Tornado

$16,385

Expected Annual Loss for Ferndale

27.4Score

Very Low compared to US average

Ferndale
Minimal Estimated LossMax Estimated Loss

Spatial Analysis

FEMA Flood Zones
FloodwayHighest Risk / Active Channel
High Risk (100-Year)1% Annual Chance Flood
Moderate Risk (500-Year)0.2% Annual Chance Flood
NRI Risk Index
Very Low
Low
Moderate
High
Very High
Extreme

Flood Plain Analysis

Localized Flood Dynamics in Ferndale

FEMA Flood Maps for Ferndale identify the "100-year" and "500-year" floodplains (1% and 0.2% annual chance), but modern climate risk analysis suggests that nearly 25% of flood insurance claims originate from properties outside of these designated high-risk zones.

Use the map above to better understand risk by looking at both the FEMA flood plain maps and FEMA Risk Inventory maps by census tract. Standard FEMA maps may not account for 'flash flooding' from intense rain events.
FEMA Designation vs. Reality
Relatively Low
Relative Vulnerability
$301,333
Annualized Property Exposure

Insurance Market Stability

Avg. Annual Premium

$919

Estimated baseline property insurance cost prior to localized disaster surcharges.

Non-Renewal Rate

0.5%

The percentage of homeowner policies canceled by insurers, a key indicator of market retreat.

Insurer Loss Ratio

30%

For every $1 collected in premium, insurers are paying out $0.30 in claims.

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$301,333
Score: 14.9
MAJOR DRIVER
Cold Wave
$21,914
Score: 30.5
MAJOR DRIVER
Tornado
$16,385
Score: 27.4
Strong Wind
$11,819
Score: 37.1
Lightning
$9,315
Score: 39.8
Hurricane
$6,954
Score: 48.8
Hail
$5,375
Score: 42.8
Earthquake
$3,132
Score: 12.0
Winter Weather
$1,641
Score: 37.9
Heat Wave
$728
Score: 2.1
Avalanche
$543
Score: 35.1
Ice Storm
$415
Score: 3.9
Wildfire
$59
Score: 32.8
Landslide
$6
Score: 54.8

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 54.8

Sources and Methodology

Spatial Climate Risk Modeling

The Expected Annual Loss (EAL) and hazard risk scores are derived from the FEMA NRI zip code dataset using a population-weighted spatial join. Because Zip Codes and Census Tracts do not share perfectly aligned boundaries, we utilize US Census Block Group population centroids to identify where residents actually live.

Financial & Insurance Metrics

The pysical resilence score is calculated by synthesizing Expected Annual Loss (EAL) against the total building replacement value within a jurisdiction. This creates a "Loss Ratio" that measures physical resilience. We supplement this with ZIP-code level data from the U.S. Treasury's Federal Insurance Office (FIO), monitoring trends in premium growth, loss ratios, and policy non-renewals to identify emerging "Insurance Deserts."

Primary Data Sources

Nearby Cities

BelmontDaleElimJohnstownLorain

Zip Codes in Ferndale

15905
Climate Risk Analysis for Ferndale, PA