Climate Risk Summary

Zip Code 16146, Risk Profile

The primary drivers of climate-related financial risk in Sharon, PA (16146) are Inland Flooding, Tornado, and Lightning.

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

$2,437,512

Expected Annual Loss for Zip Code 16146

33.6Score

Relatively High compared to US average

16146
Minimal Estimated LossMax Estimated Loss

Tornado

$122,909

Expected Annual Loss for Zip Code 16146

37.0Score

Relatively Low compared to US average

16146
Minimal Estimated LossMax Estimated Loss

Lightning

$104,939

Expected Annual Loss for Zip Code 16146

75.1Score

Relatively High compared to US average

16146
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
$2,437,512
Score: 33.6
MAJOR DRIVER
Tornado
$122,909
Score: 37.0
MAJOR DRIVER
Lightning
$104,939
Score: 75.1
Strong Wind
$96,146
Score: 58.4
Hail
$52,579
Score: 59.1
Cold Wave
$26,414
Score: 21.9
Hurricane
$23,724
Score: 47.5
Earthquake
$16,907
Score: 16.0
Winter Weather
$15,040
Score: 57.0
Heat Wave
$12,099
Score: 4.0
Ice Storm
$4,592
Score: 15.5
Wildfire
$182
Score: 31.3
Landslide
$2
Score: 27.9

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: 33.6
🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 37.0
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 75.1

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 16148Zip Code 16121Zip Code 16150Zip Code 44438Zip Code 16161Zip Code 16159