🌍 ClimateRiskCheck

Natural Disaster Risk in Hamilton

Pennsylvania

5.3out of 10
Moderate Risk

Risk Summary for Hamilton

Hamilton scores 5.3/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Avalanche Winter Weather

All 18 Hazard Scores

Lightning
8.8
Avalanche
8.4
Winter Weather
8.3
Landslide
8.2
Hurricane
8.0
Strong Wind
5.4
Tsunami
5.4
Cold Wave
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Earthquake
4.3
Tornado
4.0
Ice Storm
3.8
Hail
2.8
Wildfire
2.7
Extreme Heat
2.5
Drought
1.7
Riverine Flooding
1.0

How it compares

Hamilton
5.3
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: Hamilton, Pennsylvania

Hamilton, in Jefferson County, is a small unincorporated community situated in the interior eastern United States. 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 Hamilton residents and property owners must navigate.

According to FEMA's National Risk Index, Hamilton carries an overall risk score of 5.3/10, placing it in the moderate category. Lightning from frequent convective storms is the leading natural hazard, with above-average strike density creating risks for outdoor activities, trees, and sensitive infrastructure. The area also faces notable exposure to avalanche and winter.

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

With a moderate risk rating, Hamilton 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 lightning is recommended.

What this means for Hamilton: Lightning preparedness

  • Avoid plumbing and corded electronics during active thunderstorms.
  • Install whole-home surge protection to shield electronics from strike-related power surges.
  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.

Local Factors for Hamilton

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

Population

44

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 40.9Β°

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: 2.7/10

Coordinates

40.9172Β° N, 79.0712Β° W

Jefferson 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 Hamilton

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Hamilton

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.