Climate Risk Summary

Zip Code 19320, Risk Profile

The primary drivers of climate-related financial risk in Caln, PA (19320) are Inland Flooding, Drought, and Heat Wave. This area also faces an unusually high intensity for Winter Weather compared to national averages.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Inland Flooding

$9,441,399

Expected Annual Loss for Zip Code 19320

57.7Score

Relatively High compared to US average

19320
Minimal Estimated LossMax Estimated Loss

Drought

$1,448,495

Expected Annual Loss for Zip Code 19320

73.5Score

Relatively High compared to US average

19320
Minimal Estimated LossMax Estimated Loss

Heat Wave

$984,199

Expected Annual Loss for Zip Code 19320

70.8Score

Relatively Moderate compared to US average

19320
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$9,441,399
Score: 57.7
MAJOR DRIVER
Drought
$1,448,495
Score: 73.5
MAJOR DRIVER
Heat Wave
$984,199
Score: 70.8
Hurricane
$975,739
Score: 69.8
Tornado
$948,537
Score: 52.8
Cold Wave
$775,670
Score: 54.4
Earthquake
$743,089
Score: 62.0
Strong Wind
$460,907
Score: 69.9
UNUSUALLY HIGH
Winter Weather
$238,334
Score: 90.6
Lightning
$214,324
Score: 61.5
Ice Storm
$92,569
Score: 60.1
Hail
$82,935
Score: 32.6
Landslide
$3,529
Score: 77.8
Wildfire
$1,498
Score: 35.1

Recommended Mitigation Strategies

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

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 57.7
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 73.5
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 70.8
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.6

Methodology and Sources

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 19358Zip Code 19335Zip Code 19367Zip Code 19365Zip Code 19390Zip Code 19369