Climate Risk Summary

Zip Code 16365, Risk Profile

The primary drivers of climate-related financial risk in Warren, PA (16365) are Inland Flooding, Strong Wind, and Cold Wave.

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

$10,624,467

Expected Annual Loss for Zip Code 16365

88.1Score

Very High compared to US average

16365
Minimal Estimated LossMax Estimated Loss

Strong Wind

$589,042

Expected Annual Loss for Zip Code 16365

89.4Score

Relatively High compared to US average

16365
Minimal Estimated LossMax Estimated Loss

Cold Wave

$251,857

Expected Annual Loss for Zip Code 16365

44.0Score

Relatively Moderate compared to US average

16365
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
$10,624,467
Score: 88.1
MAJOR DRIVER
Strong Wind
$589,042
Score: 89.4
MAJOR DRIVER
Cold Wave
$251,857
Score: 44.0
Lightning
$178,609
Score: 78.0
Tornado
$122,814
Score: 30.9
Hurricane
$68,564
Score: 52.6
Winter Weather
$22,362
Score: 57.1
Earthquake
$15,073
Score: 10.8
Heat Wave
$7,728
Score: 2.5
Ice Storm
$7,437
Score: 15.8
Hail
$6,635
Score: 21.7
Landslide
$1,995
Score: 68.9
Wildfire
$1,289
Score: 46.1

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: 88.1
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 89.4
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 44.0

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

Nearby Locations

Zip Code 16313Zip Code 16345Zip Code 16352Zip Code 16329Zip Code 16371Zip Code 16347