Climate Risk Summary

Zip Code 19462, Risk Profile

The primary drivers of climate-related financial risk in Blue Bell, PA (19462) are Inland Flooding, Cold Wave, and Earthquake. This area also faces an unusually high intensity for Winter Weather 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

$3,550,176

Expected Annual Loss for Zip Code 19462

64.2Score

Relatively Moderate compared to US average

19462
Minimal Estimated LossMax Estimated Loss

Cold Wave

$494,511

Expected Annual Loss for Zip Code 19462

69.9Score

Relatively Moderate compared to US average

19462
Minimal Estimated LossMax Estimated Loss

Earthquake

$462,951

Expected Annual Loss for Zip Code 19462

73.3Score

Relatively Low compared to US average

19462
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
$3,550,176
Score: 64.2
MAJOR DRIVER
Cold Wave
$494,511
Score: 69.9
MAJOR DRIVER
Earthquake
$462,951
Score: 73.3
Heat Wave
$366,741
Score: 73.8
Tornado
$273,582
Score: 49.7
Hurricane
$173,040
Score: 64.8
Strong Wind
$163,389
Score: 71.7
UNUSUALLY HIGH
Winter Weather
$59,182
Score: 86.8
Lightning
$13,435
Score: 19.0
Ice Storm
$9,012
Score: 27.8
Hail
$3,597
Score: 19.2
Drought
$964
Score: 15.5
Wildfire
$725
Score: 29.3
Landslide
$29
Score: 50.6

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: 64.2
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 69.9
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 73.3
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.8

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 19422Zip Code 19428Zip Code 19444Zip Code 19401Zip Code 19034Zip Code 19405