Natural Disaster Risk in Alum Bank
Pennsylvania
Risk Summary for Alum Bank
Alum Bank scores 5.1/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Landslide.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Alum Bank, Pennsylvania
Alum Bank is a small community of about 1,712 in Bedford County, in the interior eastern United States. The area experiences cold winters, warm summers, and four distinct seasons, with nor'easter exposure and spring river flooding shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Alum Bank.
FEMA rates Alum Bank's composite natural disaster risk at 5.1 out of 10 — moderate risk. The area faces significant landslide risk, where mountainous topography and saturated soils during wet periods combine to create hazardous mass movement conditions. Residents should also account for avalanche and hurricane risk in their preparedness planning.
Alum Bank's risk score, slightly below the 5.9/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Bedford County, the highest-scoring are landslide, avalanche, and hurricane. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Alum Bank residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for landslide is recommended.
What this means for Alum Bank: Landslide preparedness
- Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
- Standard insurance generally excludes landslide and earth-movement damage — ask about specialized coverage.
- Have an evacuation plan ready during periods of intense or prolonged rainfall.
Local Factors for Alum Bank
These city-level factors differentiate Alum Bank from other communities in Bedford County and provide geographic context for its hazard exposure.
Population
1,712
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.8/10
Coordinates
40.1997° N, 78.6318° W
Bedford 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 Alum Bank
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Alum Bank
Other cities in Pennsylvania
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.