Climate Risk Summary

Charleroi, PA Risk Profile

The primary drivers of climate-related financial risk in Charleroi, PA are Inland Flooding, Tornado, and Lightning.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$2,073,411

Expected Annual Loss for Charleroi

83.7Score

Relatively High compared to US average

Charleroi
Minimal Estimated LossMax Estimated Loss

Tornado

$29,123

Expected Annual Loss for Charleroi

29.9Score

Relatively Low compared to US average

Charleroi
Minimal Estimated LossMax Estimated Loss

Lightning

$26,087

Expected Annual Loss for Charleroi

59.9Score

Relatively Moderate compared to US average

Charleroi
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$2,073,411
Score: 83.7
MAJOR DRIVER
Tornado
$29,123
Score: 29.9
MAJOR DRIVER
Lightning
$26,087
Score: 59.9
Hail
$22,669
Score: 62.1
Strong Wind
$8,255
Score: 23.0
Heat Wave
$7,800
Score: 5.9
Earthquake
$6,855
Score: 15.7
Hurricane
$4,423
Score: 42.2
Ice Storm
$2,627
Score: 21.9
Cold Wave
$1,109
Score: 16.5
Winter Weather
$392
Score: 19.4
Wildfire
$25
Score: 24.3
Landslide
$18
Score: 62.8

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: 83.7
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 59.9
🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 62.1
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 62.8

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

Belle VernonCaliforniaLong BranchLynnwood-PricedaleMonessen

Zip Codes in Charleroi

15022