Climate Risk Summary

Zip Code 17406, Risk Profile

The primary drivers of climate-related financial risk in Emigsville, PA (17406) are Inland Flooding, Hurricane, and Earthquake. This area also faces an unusually high intensity for Winter Weather and Drought 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

$4,294,049

Expected Annual Loss for Zip Code 17406

60.7Score

Relatively High compared to US average

17406
Minimal Estimated LossMax Estimated Loss

Hurricane

$1,047,078

Expected Annual Loss for Zip Code 17406

82.1Score

Relatively Moderate compared to US average

17406
Minimal Estimated LossMax Estimated Loss

Earthquake

$249,814

Expected Annual Loss for Zip Code 17406

56.8Score

Relatively Low compared to US average

17406
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
$4,294,049
Score: 60.7
MAJOR DRIVER
Hurricane
$1,047,078
Score: 82.1
MAJOR DRIVER
Earthquake
$249,814
Score: 56.8
Heat Wave
$231,638
Score: 51.4
Strong Wind
$181,985
Score: 67.2
Cold Wave
$168,284
Score: 37.8
Lightning
$96,986
Score: 62.0
Tornado
$92,049
Score: 28.0
UNUSUALLY HIGH
Winter Weather
$78,353
Score: 87.0
UNUSUALLY HIGH
Drought
$43,726
Score: 84.8
Ice Storm
$12,282
Score: 28.3
Hail
$4,050
Score: 15.8
Wildfire
$1,509
Score: 50.3
Landslide
$669
Score: 78.7

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: 60.7
🌀High Investment

Hurricane Mitigation

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

Risk Score: 82.1
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 56.8
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 87.0
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 84.8

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 17402Zip Code 17347Zip Code 17502Zip Code 17547Zip Code 17356Zip Code 17403