Climate Risk Summary

Paxtang, PA Risk Profile

The primary drivers of climate-related financial risk in Paxtang, PA are Inland Flooding, Hurricane, and Earthquake. Based on recent federal data, homeowners in this market face an estimated average annual insurance premium of $988, with a local policy non-renewal rate of 0.6%.

City Risk Scorecard
Physical Resilience0/100

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

$458,002

Expected Annual Loss for Paxtang

30.3Score

Relatively Low compared to US average

Paxtang
Minimal Estimated LossMax Estimated Loss

Hurricane

$31,782

Expected Annual Loss for Paxtang

60.2Score

Relatively Low compared to US average

Paxtang
Minimal Estimated LossMax Estimated Loss

Earthquake

$25,599

Expected Annual Loss for Paxtang

43.1Score

Relatively Low compared to US average

Paxtang
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 Paxtang

FEMA Flood Maps for Paxtang 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
$458,002
Annualized Property Exposure

Insurance Market Stability

Avg. Annual Premium

$988

Estimated baseline property insurance cost prior to localized disaster surcharges.

Non-Renewal Rate

0.6%

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

Insurer Loss Ratio

61%

For every $1 collected in premium, insurers are paying out $0.61 in claims.

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$458,002
Score: 30.3
MAJOR DRIVER
Hurricane
$31,782
Score: 60.2
MAJOR DRIVER
Earthquake
$25,599
Score: 43.1
Tornado
$20,784
Score: 30.2
Heat Wave
$15,937
Score: 19.3
Strong Wind
$14,373
Score: 41.9
Cold Wave
$11,265
Score: 24.0
Winter Weather
$7,994
Score: 73.8
Lightning
$6,564
Score: 31.0
Ice Storm
$496
Score: 4.7
Hail
$320
Score: 7.5
Wildfire
$37
Score: 28.6
Landslide
$1
Score: 35.5

Recommended Mitigation Strategies

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

🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 60.2
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 73.8

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

BresslerColonial ParkEnhautHarrisburgLawnton

Zip Codes in Paxtang

17111