Climate Risk Summary

Millersville, PA Risk Profile

The primary drivers of climate-related financial risk in Millersville, PA are Inland Flooding, Hurricane, and Cold Wave. 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 Millersville.

Primary Risks

Inland Flooding

$763,854

Expected Annual Loss for Millersville

38.4Score

Relatively Moderate compared to US average

Millersville
Minimal Estimated LossMax Estimated Loss

Hurricane

$223,783

Expected Annual Loss for Millersville

79.4Score

Relatively Moderate compared to US average

Millersville
Minimal Estimated LossMax Estimated Loss

Cold Wave

$89,974

Expected Annual Loss for Millersville

51.5Score

Relatively Moderate compared to US average

Millersville
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$763,854
Score: 38.4
MAJOR DRIVER
Hurricane
$223,783
Score: 79.4
MAJOR DRIVER
Cold Wave
$89,974
Score: 51.5
Earthquake
$84,289
Score: 57.6
Heat Wave
$61,365
Score: 48.4
Tornado
$46,366
Score: 34.8
Strong Wind
$27,616
Score: 48.8
Lightning
$26,659
Score: 60.3
UNUSUALLY HIGH
Winter Weather
$26,776
Score: 89.5
Ice Storm
$6,073
Score: 41.4
Hail
$2,699
Score: 26.5
Drought
$160
Score: 71.3
Wildfire
$144
Score: 38.0
Landslide
$2
Score: 40.1

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: 79.4
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 51.5
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 57.6
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 60.3
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.5
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 71.3

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

ColumbiaEast PetersburgLancasterLandisvilleMountville

Zip Codes in Millersville

1755117603