🌍 ClimateRiskCheck

Natural Disaster Risk in Bear

Delaware

7.9out of 10
High Risk

Risk Summary for Bear

Bear scores 7.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Coastal Flooding Extreme Heat

All 18 Hazard Scores

Winter Weather
10.0
Coastal Flooding
9.8
Extreme Heat
9.6
Earthquake
9.4
Cold Wave
9.4
Hurricane
9.2
Ice Storm
9.1
Tornado
9.0
Strong Wind
9.0
Drought
8.6
Lightning
8.4
Landslide
7.9
Wildfire
6.5
Tsunami
5.4
Volcanic Activity
5.1
Avalanche
4.5
Hail
3.4
Riverine Flooding
1.0

How it compares

Bear
7.9
Delaware avg.
7.7
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Bear, Delaware

Bear, in New Castle County, is a city of approximately 42,984 residents situated along the mid-Atlantic coast. Its humid subtropical climate brings moderately hot summers and mild winters with coastal storm exposure, and in particular nor'easter and tropical storm threats. These conditions collectively define the natural hazard environment that Bear residents and property owners must navigate.

According to FEMA's National Risk Index, Bear carries an overall risk score of 7.9/10, placing it in the high category. Winter weather is the dominant natural hazard, with the area facing heavy snowfall, ice accumulation, and bitter cold that can immobilize infrastructure and create dangerous travel conditions. The area also faces notable exposure to coastal flood and heat.

Within Delaware, Bear's risk is, near the 7.7/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of New Castle County identifies winter as the foremost hazard, followed by coastal flood and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Bear residents benefit from taking preparedness seriously. Reviewing insurance coverage for winter and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Bear: Winter Weather preparedness

  • Clear roof snow loads when heavy to prevent structural strain and ice dams.
  • Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
  • Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.

Local Factors for Bear

These city-level factors differentiate Bear from other communities in New Castle County and provide geographic context for its hazard exposure.

Population

42,984

Suburban

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 39.6Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.5/10

Coordinates

39.5843Β° N, 75.6991Β° W

New Castle County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Bear

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Bear

Other cities in Delaware

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.