Climate Risk Summary

Palmer Heights, PA Risk Profile

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

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Palmer Heights.

Primary Risks

Inland Flooding

$485,782

Expected Annual Loss for Palmer Heights

29.6Score

Relatively Low compared to US average

Palmer Heights

Minimal Estimated LossMax Estimated Loss

Heat Wave

$67,933

Expected Annual Loss for Palmer Heights

61.7Score

Relatively Moderate compared to US average

Palmer Heights

Minimal Estimated LossMax Estimated Loss

Cold Wave

$63,506

Expected Annual Loss for Palmer Heights

50.0Score

Relatively Moderate compared to US average

Palmer Heights

Minimal Estimated LossMax Estimated Loss

City Boundary

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$485,782

Score: 29.6

MAJOR DRIVER

Heat Wave

$67,933

Score: 61.7

MAJOR DRIVER

Cold Wave

$63,506

Score: 50.0

Hurricane

$56,040

Score: 67.1

Tornado

$51,406

Score: 42.2

Earthquake

$46,668

Score: 55.1

Lightning

$19,426

Score: 59.5

Strong Wind

$16,872

Score: 44.1

UNUSUALLY HIGH

Winter Weather

$11,610

Score: 80.3

Ice Storm

$3,061

Score: 32.1

Hail

$1,003

Score: 19.2

Wildfire

$55

Score: 31.4

Drought

$40

Score: 70.7

Landslide

Score: 38.0

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

☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 61.7

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 50.0

🌀High Investment

Hurricane Mitigation

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

Risk Score: 67.1

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 55.1

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 59.5

🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.3

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 70.7

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

FEMA National Risk IndexHazard frequency and loss data (v1.20.0 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

Chestnut Hill Eastlawn Gardens Easton Nazareth Old Orchard

Zip Codes in Palmer Heights

18045