Climate Risk Atlas/PA/Rockhill/17249

Rockhill, PA (17249) Flooding & Climate Risk Profile

The primary drivers of climate-related financial risk in Rockhill, PA (17249) are Inland Flooding, Strong Wind, and Hurricane. 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 17249

FEMA Flood Maps for 17249 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
$282,646
Annualized Property Exposure

Primary Risks

Inland Flooding

$282,646

Expected Annual Loss for Zip Code 17249

94.2Score

Relatively High compared to US average

Strong Wind

$39,292

Expected Annual Loss for Zip Code 17249

98.6Score

Very High compared to US average

Hurricane

$12,144

Expected Annual Loss for Zip Code 17249

75.9Score

Relatively Low compared to US average

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$282,646
Score: 94.2
MAJOR DRIVER
Strong Wind
$39,292
Score: 98.6
MAJOR DRIVER
Hurricane
$12,144
Score: 75.9
Tornado
$7,233
Score: 45.8
UNUSUALLY HIGH
Winter Weather
$3,079
Score: 93.3
Lightning
$2,387
Score: 61.7
Heat Wave
$2,150
Score: 21.2
Earthquake
$2,045
Score: 34.1
UNUSUALLY HIGH
Landslide
$1,388
Score: 97.7
Hail
$1,336
Score: 55.1
Cold Wave
$1,206
Score: 23.0
Wildfire
$355
Score: 74.5
Avalanche
$305
Score: 54.0
Ice Storm
$200
Score: 19.0

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: 94.2
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 98.6
🌀High Investment

Hurricane Mitigation

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

Risk Score: 75.9
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 93.3
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 97.7

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 17264