Natural Disaster Risk in Harveys Lake
Pennsylvania
Risk Summary for Harveys Lake
Harveys Lake scores 7.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.
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: Harveys Lake, Pennsylvania
Located in the Great Lakes region in Luzerne County, Harveys Lake is a town of roughly 3,570 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 Harveys Lake a community where hazard awareness has real practical value.
FEMA rates Harveys Lake's composite natural disaster risk at 7.5 out of 10 β high risk. Winter weather is the dominant natural hazard, with the area facing heavy snowfall, ice accumulation, and bitter cold that can immobilize infrastructure and create dangerous travel conditions. Residents should also account for lightning and cold wave risk in their preparedness planning.
Relative to other U.S. communities, Harveys Lake's natural disaster risk is well above the U.S. national average of 4.5/10, considerably above the 5.9/10 state average. The hazard distribution here is led by winter and lightning, as measured by FEMA across Luzerne County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Harveys Lake'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 Harveys Lake: Winter Weather preparedness
- 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.
- Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
Local Factors for Harveys Lake
These city-level factors differentiate Harveys Lake from other communities in Luzerne County and provide geographic context for its hazard exposure.
Population
3,570
Small TownGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Moderate Continental
Latitude 41.4Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 5.9/10
Coordinates
41.3788Β° N, 76.0313Β° W
Luzerne 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 Harveys Lake
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Harveys 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.