Climate Risk Summary

Misericordia University, PA Risk Profile

The primary drivers of climate-related financial risk in Misericordia University, PA are Inland Flooding, Cold Wave, and Tornado. This area also faces an unusually high intensity for Winter Weather and Landslide compared to national averages.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$118,170

Expected Annual Loss for Misericordia University

43.5Score

Relatively Low compared to US average

Misericordia University
Minimal Estimated LossMax Estimated Loss

Cold Wave

$36,957

Expected Annual Loss for Misericordia University

78.5Score

Relatively High compared to US average

Misericordia University
Minimal Estimated LossMax Estimated Loss

Tornado

$12,919

Expected Annual Loss for Misericordia University

48.0Score

Relatively Low compared to US average

Misericordia University
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$118,170
Score: 43.5
MAJOR DRIVER
Cold Wave
$36,957
Score: 78.5
MAJOR DRIVER
Tornado
$12,919
Score: 48.0
Heat Wave
$11,445
Score: 59.0
Hurricane
$10,599
Score: 67.6
Earthquake
$10,219
Score: 59.0
Lightning
$6,390
Score: 78.3
UNUSUALLY HIGH
Winter Weather
$3,467
Score: 89.1
Strong Wind
$3,176
Score: 44.8
Ice Storm
$1,109
Score: 50.1
Hail
$1,057
Score: 42.7
Wildfire
$321
Score: 70.1
UNUSUALLY HIGH
Landslide
$46
Score: 85.2

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

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 78.5
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 59.0
🌀High Investment

Hurricane Mitigation

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

Risk Score: 67.6
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 59.0
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 78.3
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.1
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 50.1
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 70.1
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 85.2

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

Nearby Cities

CourtdaleDallasHarveys LakeLarksvilleLuzerne

Zip Codes in Misericordia University