🌍 ClimateRiskCheck

Natural Disaster Risk in Harmonsburg

Pennsylvania

5.7out of 10
Moderate Risk

Risk Summary for Harmonsburg

Harmonsburg scores 5.7/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Strong Wind Lightning

All 18 Hazard Scores

Winter Weather
9.0
Strong Wind
8.8
Lightning
8.6
Hurricane
7.8
Ice Storm
6.5
Hail
6.3
Landslide
6.1
Tornado
5.8
Earthquake
5.6
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
4.4
Extreme Heat
3.5
Cold Wave
3.3
Drought
1.7
Riverine Flooding
1.0

How it compares

Harmonsburg
5.7
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: Harmonsburg, Pennsylvania

Harmonsburg is a small unincorporated community in Crawford 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 Harmonsburg.

According to FEMA's National Risk Index, Harmonsburg carries an overall risk score of 5.7/10, placing it in the moderate category. The area faces significant winter hazard exposure, with nor'easters, ice storms, or blizzards regularly challenging transportation networks and power infrastructure. The area also faces notable exposure to wind and lightning.

Harmonsburg's risk score, near 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 Crawford County, the highest-scoring are winter, wind, and lightning. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Harmonsburg 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 winter is recommended.

What this means for Harmonsburg: Winter Weather preparedness

  • Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
  • Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
  • Clear roof snow loads when heavy to prevent structural strain and ice dams.

Local Factors for Harmonsburg

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

Population

95

Rural

Geographic Zone

Great Lakes

Lake-effect snow & wind risk

Climate Band

Moderate Continental

Latitude 41.7Β°

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: 4.4/10

Coordinates

41.6656Β° N, 80.3145Β° W

Crawford 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 Harmonsburg

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Harmonsburg

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.