🌍 ClimateRiskCheck

Natural Disaster Risk in Bear Lake

Pennsylvania

4.8out of 10
Moderate Risk

Risk Summary for Bear Lake

Bear Lake scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Strong Wind Landslide

All 18 Hazard Scores

Avalanche
9.0
Strong Wind
8.1
Landslide
7.4
Hurricane
7.1
Lightning
6.8
Tsunami
5.4
Volcanic Activity
5.1
Winter Weather
4.9
Coastal Flooding
4.9
Cold Wave
4.4
Ice Storm
3.5
Tornado
3.2
Earthquake
3.1
Wildfire
2.3
Extreme Heat
2.2
Hail
1.9
Drought
1.7
Riverine Flooding
1.0

How it compares

Bear Lake
4.8
Pennsylvania avg.
5.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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: Bear Lake, Pennsylvania

Bear Lake, in Warren County, is a small community of about 624 situated in the Great Lakes region. Its humid continental climate brings cold winters, warm summers, and four distinct seasons, and in particular nor'easter exposure and spring river flooding. These conditions collectively define the natural hazard environment that Bear Lake residents and property owners must navigate.

Bear Lake's overall natural disaster risk is rated 4.8/10 (Moderate) by FEMA's National Risk Index. Snow avalanche exposure tops the local risk profile, with the area's mountain setting and annual snowfall loading producing regular avalanche cycles on steep slopes. Secondary hazards include wind and landslide.

Within Pennsylvania, Bear Lake's risk is, slightly below the 5.9/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Warren County identifies avalanche as the foremost hazard, followed by wind and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Bear Lake residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for avalanche is recommended.

What this means for Bear Lake: Avalanche preparedness

  • Properties in runout zones may require specialized hazard assessment and insurance.
  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
  • Be aware of slope angles and recent snow loading, which drive avalanche risk.

Local Factors for Bear Lake

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

Population

624

Rural

Geographic Zone

Great Lakes

Lake-effect snow & wind risk

Climate Band

Moderate Continental

Latitude 42.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 2.3/10

Coordinates

41.9646Β° N, 79.4808Β° W

Warren 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 Lake

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Bear Lake

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.