Climate Risk Summary

Zip Code 18801, Risk Profile

The primary drivers of climate-related financial risk in Montrose, PA (18801) are Inland Flooding, Hurricane, and Tornado. This area also faces an unusually high intensity for Landslide 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

$1,665,910

Expected Annual Loss for Zip Code 18801

73.5Score

Relatively High compared to US average

18801
Minimal Estimated LossMax Estimated Loss

Hurricane

$225,854

Expected Annual Loss for Zip Code 18801

80.7Score

Relatively Moderate compared to US average

18801
Minimal Estimated LossMax Estimated Loss

Tornado

$202,822

Expected Annual Loss for Zip Code 18801

63.9Score

Relatively Moderate compared to US average

18801
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
$1,665,910
Score: 73.5
MAJOR DRIVER
Hurricane
$225,854
Score: 80.7
MAJOR DRIVER
Tornado
$202,822
Score: 63.9
Cold Wave
$110,263
Score: 57.8
Strong Wind
$81,880
Score: 78.5
Earthquake
$44,299
Score: 48.6
Lightning
$33,840
Score: 69.5
Ice Storm
$17,147
Score: 71.0
Heat Wave
$16,379
Score: 14.2
Hail
$10,277
Score: 47.6
Winter Weather
$8,802
Score: 68.3
UNUSUALLY HIGH
Landslide
$3,027
Score: 93.0
Wildfire
$1,130
Score: 62.0

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: 73.5
🌀High Investment

Hurricane Mitigation

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

Risk Score: 80.7
🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 63.9
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 93.0

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 18843Zip Code 18818Zip Code 18844Zip Code 18816Zip Code 18812Zip Code 18630