Natural Disaster Risk in Bear Lake
Pennsylvania
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
All 18 Hazard Scores
How it compares
Live Conditions
π 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
RuralGeographic 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
Notable Weather Days (last 12 months)
ZIP Codes in Bear Lake
Other cities in Pennsylvania
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.