Natural Disaster Risk in Harborcreek
Pennsylvania
Risk Summary for Harborcreek
Harborcreek scores 6.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Lightning.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Harborcreek, Pennsylvania
Harborcreek is a small community of about 2,289 in Erie County, in the Great Lakes region. 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 Harborcreek.
FEMA rates Harborcreek's composite natural disaster risk at 6.4 out of 10 β high risk. High lightning activity is the primary natural hazard concern, driven by frequent severe thunderstorm development that produces dense ground strike patterns across the area. Residents should also account for winter and wind risk in their preparedness planning.
Harborcreek's risk score, slightly above 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 Erie County, the highest-scoring are lightning, winter, and wind. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Harborcreek's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Harborcreek: Lightning preparedness
- 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.
- Avoid plumbing and corded electronics during active thunderstorms.
Local Factors for Harborcreek
These city-level factors differentiate Harborcreek from other communities in Erie County and provide geographic context for its hazard exposure.
Population
2,289
Small TownGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Cool Continental
Latitude 42.2Β°
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: 4.5/10
Coordinates
42.1704Β° N, 79.9351Β° W
Erie 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 Harborcreek
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Harborcreek
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.