Climate Risk Summary

Zip Code 19562, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, PA (19562) are Inland Flooding, Hurricane, and Cold Wave. This area also faces an unusually high intensity for Winter Weather and Drought 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

$396,544

Expected Annual Loss for Zip Code 19562

40.9Score

Relatively Low compared to US average

19562

Minimal Estimated LossMax Estimated Loss

Hurricane

$79,981

Expected Annual Loss for Zip Code 19562

77.7Score

Relatively Low compared to US average

19562

Minimal Estimated LossMax Estimated Loss

Cold Wave

$63,161

Expected Annual Loss for Zip Code 19562

61.2Score

Relatively Moderate compared to US average

19562

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

$396,544

Score: 40.9

MAJOR DRIVER

Hurricane

$79,981

Score: 77.7

MAJOR DRIVER

Cold Wave

$63,161

Score: 61.2

Tornado

$56,842

Score: 52.3

Heat Wave

$35,810

Score: 54.9

Earthquake

$34,429

Score: 58.1

Strong Wind

$34,322

Score: 75.3

UNUSUALLY HIGH

Winter Weather

$15,416

Score: 92.1

UNUSUALLY HIGH

Drought

$13,977

Score: 90.0

Lightning

$13,709

Score: 62.5

Ice Storm

$2,607

Score: 39.2

Hail

$2,046

Score: 33.1

Wildfire

$128

Score: 45.3

Landslide

Score: 56.0

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: 40.9

🌀High Investment

Hurricane Mitigation

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

Risk Score: 77.7

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 61.2

🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.1

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.0

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

Nearby Locations

Zip Code 19539 Zip Code 19530 Zip Code 18011 Zip Code 19538 Zip Code 18031 Zip Code 19511