Climate Risk Atlas/PA/Paxtonville/17861

Paxtonville, PA (17861) Flooding & Climate Risk Profile

The primary drivers of climate-related financial risk in Paxtonville, PA (17861) are Inland Flooding, Hurricane, and Strong Wind. This area also faces an unusually high intensity for Winter Weather and Landslide compared to national averages.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Zip Code Risk Map

Flood Plain Analysis

Significant Flood Exposure in 17861

FEMA Flood Maps for 17861 identify the "100-year" and "500-year" floodplains (1% and 0.2% annual chance), but modern climate risk analysis suggests that nearly 25% of flood insurance claims originate from properties outside of these designated high-risk zones.

Use the map above to better understand risk by looking at both the FEMA flood plain maps and FEMA Risk Inventory maps by census tract. Standard FEMA maps may not account for 'flash flooding' from intense rain events.
FEMA Designation vs. Reality
Relatively High
Relative Vulnerability
$319,087
Annualized Property Exposure

Primary Risks

Inland Flooding

$319,087

Expected Annual Loss for Zip Code 17861

92.2Score

Relatively High compared to US average

Hurricane

$35,416

Expected Annual Loss for Zip Code 17861

83.2Score

Relatively Moderate compared to US average

Strong Wind

$22,941

Expected Annual Loss for Zip Code 17861

93.4Score

Relatively High compared to US average

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$319,087
Score: 92.2
MAJOR DRIVER
Hurricane
$35,416
Score: 83.2
MAJOR DRIVER
Strong Wind
$22,941
Score: 93.4
Tornado
$20,190
Score: 61.0
Heat Wave
$7,392
Score: 51.8
Cold Wave
$7,173
Score: 43.7
UNUSUALLY HIGH
Winter Weather
$5,711
Score: 96.3
Lightning
$4,452
Score: 74.1
Earthquake
$4,138
Score: 43.6
Hail
$1,029
Score: 46.1
Ice Storm
$452
Score: 32.3
UNUSUALLY HIGH
Landslide
$302
Score: 94.0
Wildfire
$196
Score: 67.7

Recommended Mitigation Strategies

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: 92.2
🌀High Investment

Hurricane Mitigation

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

Risk Score: 83.2
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 93.4
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 96.3
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 94.0

Methodology and Sources

Spatial Climate Risk Modeling

The Expected Annual Loss (EAL) and hazard risk scores are derived from the FEMA NRI zip code dataset using a population-weighted spatial join. Because Zip Codes and Census Tracts do not share perfectly aligned boundaries, we utilize US Census Block Group population centroids to identify where residents actually live.

Financial & Insurance Metrics

The pysical resilence score is calculated by synthesizing Expected Annual Loss (EAL) against the total building replacement value within a jurisdiction. This creates a "Loss Ratio" that measures physical resilience. We supplement this with ZIP-code level data from the U.S. Treasury's Federal Insurance Office (FIO), monitoring trends in premium growth, loss ratios, and policy non-renewals to identify emerging "Insurance Deserts."

Primary Data Sources

Nearby Locations

Zip Code 17842Zip Code 17827