Climate Risk Summary

York, PA Risk Profile

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

Primary Risks

Inland Flooding

$7,154,462

Expected Annual Loss for York

39.3Score

Relatively Moderate compared to US average

York
Minimal Estimated LossMax Estimated Loss

Hurricane

$1,422,102

Expected Annual Loss for York

76.9Score

Relatively Moderate compared to US average

York
Minimal Estimated LossMax Estimated Loss

Earthquake

$823,178

Expected Annual Loss for York

60.5Score

Relatively Low compared to US average

York
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$7,154,462
Score: 39.3
MAJOR DRIVER
Hurricane
$1,422,102
Score: 76.9
MAJOR DRIVER
Earthquake
$823,178
Score: 60.5
Heat Wave
$438,724
Score: 45.3
Cold Wave
$316,225
Score: 34.6
Strong Wind
$317,412
Score: 59.7
Lightning
$181,291
Score: 55.7
UNUSUALLY HIGH
Winter Weather
$146,361
Score: 83.0
Tornado
$135,626
Score: 21.6
Ice Storm
$22,473
Score: 23.5
Hail
$848
Score: 1.6
Wildfire
$472
Score: 25.8
Drought
$39
Score: 6.9
Landslide
$2
Score: 19.2

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: 76.9
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 60.5
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 59.7
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 55.7
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 83.0

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 YorkEmigsvilleGrantleyPleasurevilleShiloh

Zip Codes in York

17401174031740417408