Climate Risk Summary

Wernersville, PA Risk Profile

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

Primary Risks

Inland Flooding

$205,094

Expected Annual Loss for Wernersville

12.3Score

Very Low compared to US average

Wernersville
Minimal Estimated LossMax Estimated Loss

Cold Wave

$57,092

Expected Annual Loss for Wernersville

56.7Score

Relatively Moderate compared to US average

Wernersville
Minimal Estimated LossMax Estimated Loss

Hurricane

$54,919

Expected Annual Loss for Wernersville

72.1Score

Relatively Low compared to US average

Wernersville
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$205,094
Score: 12.3
MAJOR DRIVER
Cold Wave
$57,092
Score: 56.7
MAJOR DRIVER
Hurricane
$54,919
Score: 72.1
Earthquake
$46,760
Score: 62.9
Tornado
$37,925
Score: 43.2
Heat Wave
$32,357
Score: 49.0
Strong Wind
$27,365
Score: 67.8
UNUSUALLY HIGH
Winter Weather
$12,732
Score: 88.6
Lightning
$12,295
Score: 56.5
Ice Storm
$1,578
Score: 24.8
Hail
$479
Score: 15.0
Drought
$419
Score: 77.1
Wildfire
$83
Score: 39.3
Landslide
$1
Score: 37.8

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

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 56.7
🌀High Investment

Hurricane Mitigation

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

Risk Score: 72.1
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 62.9
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 67.8
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.6
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 56.5
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 77.1

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

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

AdamstownRobesoniaSinking SpringSpringmontSpring Ridge

Zip Codes in Wernersville

19565
Climate Risk Analysis for Wernersville, PA