Climate Risk Summary

Stonybrook, PA Risk Profile

The primary drivers of climate-related financial risk in Stonybrook, PA are Inland Flooding, Hurricane, and Heat 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 Stonybrook.

Primary Risks

Inland Flooding

$507,397

Expected Annual Loss for Stonybrook

37.0Score

Relatively Moderate compared to US average

Stonybrook
Minimal Estimated LossMax Estimated Loss

Hurricane

$120,465

Expected Annual Loss for Stonybrook

78.2Score

Relatively Moderate compared to US average

Stonybrook
Minimal Estimated LossMax Estimated Loss

Heat Wave

$34,433

Expected Annual Loss for Stonybrook

42.3Score

Relatively Low compared to US average

Stonybrook
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$507,397
Score: 37.0
MAJOR DRIVER
Hurricane
$120,465
Score: 78.2
MAJOR DRIVER
Heat Wave
$34,433
Score: 42.3
Earthquake
$32,650
Score: 48.8
Strong Wind
$25,421
Score: 58.2
Cold Wave
$24,838
Score: 33.0
Lightning
$14,270
Score: 52.9
UNUSUALLY HIGH
Winter Weather
$11,521
Score: 81.7
Tornado
$11,287
Score: 22.4
Ice Storm
$1,794
Score: 22.0
Drought
$758
Score: 77.2
Wildfire
$143
Score: 42.5
Hail
$122
Score: 2.2
Landslide
$3
Score: 39.8

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: 78.2
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 58.2
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 52.9
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 81.7
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 77.2

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

East YorkHallamPleasurevilleQueens GateValley View

Zip Codes in Stonybrook

17402