🌍 ClimateRiskCheck

Natural Disaster Risk in Pearl River

Louisiana

7.9out of 10
High Risk

Risk Summary for Pearl River

Pearl River scores 7.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Coastal Flooding Extreme Heat

All 18 Hazard Scores

Hurricane
9.9
Coastal Flooding
9.8
Extreme Heat
9.7
Lightning
9.6
Cold Wave
9.4
Wildfire
9.1
Hail
8.9
Tornado
8.8
Strong Wind
8.3
Drought
8.3
Winter Weather
8.2
Ice Storm
8.2
Earthquake
7.1
Tsunami
5.4
Volcanic Activity
5.1
Landslide
4.6
Avalanche
4.5
Riverine Flooding
1.0

How it compares

Pearl River
7.9
Louisiana avg.
6.1
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: Pearl River, Louisiana

Located in the Deep South in St. Tammany County, Pearl River is a city of approximately 12,650 residents. The humid subtropical climate that characterizes this part of Louisiana β€” marked by very hot summers, mild winters, and exceptionally high humidity β€” directly influences the types and severity of natural hazards present, making Pearl River a community where hazard awareness has real practical value.

FEMA rates Pearl River's composite natural disaster risk at 7.9 out of 10 β€” high risk. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the June–November season. Residents should also account for coastal flood and heat risk in their preparedness planning.

Relative to other U.S. communities, Pearl River's natural disaster risk is well above the U.S. national average of 4.5/10, considerably above the 6.1/10 state average. The hazard distribution here is led by hurricane and coastal flood, as measured by FEMA across St. Tammany County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

Pearl River's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Pearl River: Hurricane preparedness

  • Know your evacuation zone and route before hurricane season begins each June.
  • Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
  • Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.

Local Factors for Pearl River

These city-level factors differentiate Pearl River from other communities in St. Tammany County and provide geographic context for its hazard exposure.

Population

12,650

Suburban

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 30.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.1/10

Coordinates

30.4142Β° N, 89.7605Β° W

St. Tammany 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 Pearl River

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Pearl River

Other cities in Louisiana

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.