Natural Disaster Risk in Lock Haven
Pennsylvania
Risk Summary for Lock Haven
Lock Haven scores 5.0/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Avalanche.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Lock Haven, Pennsylvania
Lock Haven is a city of approximately 17,718 residents in Clinton 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 Lock Haven.
According to FEMA's National Risk Index, Lock Haven carries an overall risk score of 5.0/10, placing it in the moderate category. 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. The area also faces notable exposure to wind and landslide.
Lock Haven's risk score, slightly below the 5.9/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Clinton County, the highest-scoring are avalanche, wind, and landslide. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Lock Haven residents are well-served by maintaining standard preparedness practices — 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 Lock Haven: Avalanche preparedness
- Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
- Be aware of slope angles and recent snow loading, which drive avalanche risk.
- Properties in runout zones may require specialized hazard assessment and insurance.
Local Factors for Lock Haven
These city-level factors differentiate Lock Haven from other communities in Clinton County and provide geographic context for its hazard exposure.
Population
17,718
SuburbanGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Moderate Continental
Latitude 41.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.6/10
Coordinates
41.2859° N, 77.4810° W
Clinton 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 Lock Haven
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Lock Haven
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.