Climate Risk Summary

Ephrata, PA Risk Profile

The primary drivers of climate-related financial risk in Ephrata, PA are Inland Flooding, Hurricane, and Earthquake. This area also faces an unusually high intensity for Winter Weather compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Ephrata.

Primary Risks

Inland Flooding

$2,827,027

Expected Annual Loss for Ephrata

56.1Score

Relatively Moderate compared to US average

Ephrata
Minimal Estimated LossMax Estimated Loss

Hurricane

$414,451

Expected Annual Loss for Ephrata

78.4Score

Relatively Moderate compared to US average

Ephrata
Minimal Estimated LossMax Estimated Loss

Earthquake

$342,816

Expected Annual Loss for Ephrata

69.3Score

Relatively Moderate compared to US average

Ephrata
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$2,827,027
Score: 56.1
MAJOR DRIVER
Hurricane
$414,451
Score: 78.4
MAJOR DRIVER
Earthquake
$342,816
Score: 69.3
Cold Wave
$186,936
Score: 50.9
Heat Wave
$127,505
Score: 47.5
Tornado
$91,230
Score: 34.2
UNUSUALLY HIGH
Winter Weather
$55,419
Score: 88.7
Lightning
$53,073
Score: 58.1
Strong Wind
$51,646
Score: 45.7
Ice Storm
$10,960
Score: 37.4
Hail
$4,085
Score: 22.1
Wildfire
$334
Score: 35.6
Drought
$123
Score: 69.6
Landslide
$14
Score: 49.0

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: 56.1
🌀High Investment

Hurricane Mitigation

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

Risk Score: 78.4
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 69.3
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 50.9
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.7
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 58.1
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 69.6

Sources and Methodology

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 Cities

AkronBrownstownClayDenverFarmersville

Zip Codes in Ephrata

17522