🌍 ClimateRiskCheck

Natural Disaster Risk in James City

Pennsylvania

4.7out of 10
Moderate Risk

Risk Summary for James City

James City scores 4.7/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Lightning Hurricane

All 18 Hazard Scores

Avalanche
9.2
Lightning
8.2
Hurricane
7.6
Landslide
7.4
Winter Weather
7.2
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Strong Wind
4.6
Cold Wave
3.8
Earthquake
3.7
Ice Storm
2.9
Tornado
2.8
Extreme Heat
2.0
Wildfire
1.8
Hail
1.8
Drought
1.7
Riverine Flooding
1.0

How it compares

James City
4.7
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: James City, Pennsylvania

Located in the Great Lakes region in Elk County, James City is a small unincorporated community. 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 James City a community where hazard awareness has real practical value.

James City's overall natural disaster risk is rated 4.7/10 (Moderate) by FEMA's National Risk Index. The threat of avalanche is the primary natural hazard here, with winter snowpack instability on mountain terrain posing risks to roads, structures, and outdoor recreation activities. Secondary hazards include lightning and hurricane.

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

With a moderate risk rating, James City 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 avalanche is recommended.

What this means for James City: 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 James City

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

Population

174

Rural

Geographic Zone

Great Lakes

Lake-effect snow & wind risk

Climate Band

Moderate Continental

Latitude 41.6Β°

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: 1.8/10

Coordinates

41.6181Β° N, 78.8442Β° W

Elk 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 James City

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in James City

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.