🌍 ClimateRiskCheck

Natural Disaster Risk in Chambersburg

Pennsylvania

6.7out of 10
High Risk

Risk Summary for Chambersburg

Chambersburg scores 6.7/10 (High risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Hurricane Strong Wind

All 18 Hazard Scores

Hurricane
9.0
Avalanche
9.0
Strong Wind
8.5
Winter Weather
8.4
Drought
8.2
Earthquake
7.8
Landslide
7.8
Extreme Heat
7.6
Lightning
6.6
Hail
6.5
Wildfire
5.7
Tsunami
5.4
Tornado
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Ice Storm
4.7
Cold Wave
3.1
Riverine Flooding
1.0

How it compares

Chambersburg
6.7
Pennsylvania avg.
5.9
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: Chambersburg, Pennsylvania

Located along the mid-Atlantic coast in Franklin County, Chambersburg is a city of approximately 33,566 residents. The humid continental climate that characterizes this part of Pennsylvania β€” marked by cold winters, warm summers, and four distinct seasons β€” directly influences the types and severity of natural hazards present, making Chambersburg a community where hazard awareness has real practical value.

FEMA rates Chambersburg's composite natural disaster risk at 6.7 out of 10 β€” high risk. Avalanche risk is the dominant natural hazard, with steep mountain terrain and heavy seasonal snowpack creating conditions for dangerous snow slides in and around the area. Residents should also account for hurricane and wind risk in their preparedness planning.

Relative to other U.S. communities, Chambersburg's natural disaster risk is well above the U.S. national average of 4.5/10, slightly above the 5.9/10 state average. The hazard distribution here is led by avalanche and hurricane, as measured by FEMA across Franklin County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, Chambersburg residents benefit from taking preparedness seriously. Reviewing insurance coverage for avalanche 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 Chambersburg: Avalanche preparedness

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

Local Factors for Chambersburg

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

Population

33,566

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.7/10

Coordinates

39.9213Β° N, 77.6744Β° W

Franklin 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 Chambersburg

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Chambersburg

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.