Climate Risk Summary

Towanda, PA Risk Profile

The primary drivers of climate-related financial risk in Towanda, PA are Inland Flooding, Lightning, and Cold Wave.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$1,299,137

Expected Annual Loss for Towanda

89.8Score

Relatively High compared to US average

Towanda
Minimal Estimated LossMax Estimated Loss

Lightning

$60,729

Expected Annual Loss for Towanda

96.3Score

Very High compared to US average

Towanda
Minimal Estimated LossMax Estimated Loss

Cold Wave

$30,714

Expected Annual Loss for Towanda

42.1Score

Relatively Low compared to US average

Towanda
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$1,299,137
Score: 89.8
MAJOR DRIVER
Lightning
$60,729
Score: 96.3
MAJOR DRIVER
Cold Wave
$30,714
Score: 42.1
Tornado
$27,401
Score: 38.4
Hurricane
$21,395
Score: 59.4
Strong Wind
$13,844
Score: 49.6
Earthquake
$10,354
Score: 31.6
Heat Wave
$7,061
Score: 10.7
Hail
$2,339
Score: 34.5
Ice Storm
$1,964
Score: 30.9
Winter Weather
$351
Score: 23.0
Wildfire
$79
Score: 39.2
Landslide
$3
Score: 52.1

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: 89.8
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 96.3
🌀High Investment

Hurricane Mitigation

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

Risk Score: 59.4
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 52.1

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

Nearby Cities

OwegoWaverlyAthensDushoreSayre

Zip Codes in Towanda

18848
Climate Risk Analysis for Towanda, PA