Climate Risk Summary

State College, PA Risk Profile

The primary drivers of climate-related financial risk in State College, PA are Inland Flooding, Hurricane, and Tornado. This area also faces an unusually high intensity for Lightning and Winter Weather compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in State College.

Primary Risks

Inland Flooding

$2,181,373

Expected Annual Loss for State College

18.3Score

Relatively Moderate compared to US average

State College
Minimal Estimated LossMax Estimated Loss

Hurricane

$348,454

Expected Annual Loss for State College

60.1Score

Relatively Moderate compared to US average

State College
Minimal Estimated LossMax Estimated Loss

Tornado

$268,136

Expected Annual Loss for State College

35.5Score

Relatively Moderate compared to US average

State College
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$2,181,373
Score: 18.3
MAJOR DRIVER
Hurricane
$348,454
Score: 60.1
MAJOR DRIVER
Tornado
$268,136
Score: 35.5
UNUSUALLY HIGH
Lightning
$263,777
Score: 83.1
Earthquake
$162,445
Score: 30.5
UNUSUALLY HIGH
Winter Weather
$145,092
Score: 90.8
Strong Wind
$142,889
Score: 54.2
Heat Wave
$82,008
Score: 17.1
Cold Wave
$52,501
Score: 22.6
Hail
$23,552
Score: 35.7
Ice Storm
$16,997
Score: 20.5
Wildfire
$313
Score: 22.5
Landslide
$4
Score: 31.1

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

🌀High Investment

Hurricane Mitigation

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

Risk Score: 60.1
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 83.1
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.8
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 54.2

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

Nearby Cities

BellefonteBoalsburgCentre HallMilesburgPark Forest Village

Zip Codes in State College

168011680216803