Climate Risk Summary

Zip Code 16233, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, PA (16233) are Inland Flooding, Lightning, and Hurricane.

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

$147,677

Expected Annual Loss for Zip Code 16233

8.6Score

Very Low compared to US average

16233

Minimal Estimated LossMax Estimated Loss

Lightning

$15,663

Expected Annual Loss for Zip Code 16233

69.4Score

Relatively Moderate compared to US average

16233

Minimal Estimated LossMax Estimated Loss

Hurricane

$13,340

Expected Annual Loss for Zip Code 16233

56.2Score

Relatively Low compared to US average

16233

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

$147,677

Score: 8.6

MAJOR DRIVER

Lightning

$15,663

Score: 69.4

MAJOR DRIVER

Hurricane

$13,340

Score: 56.2

Tornado

$12,147

Score: 29.0

Cold Wave

$11,625

Score: 28.0

Strong Wind

$10,325

Score: 44.8

Earthquake

$4,026

Score: 19.1

Winter Weather

$996

Score: 36.8

Hail

$826

Score: 22.9

Heat Wave

$567

Score: 2.2

Ice Storm

$402

Score: 6.1

Wildfire

$103

Score: 43.6

Landslide

$24

Score: 72.8

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: 8.6

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 69.4

🌀High Investment

Hurricane Mitigation

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

Risk Score: 56.2

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 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 16220 Zip Code 16235 Zip Code 16260 Zip Code 16217 Zip Code 16361 Zip Code 16258