Natural Disaster Risk in Saint Marys
Pennsylvania
Risk Summary for Saint Marys
Saint Marys scores 4.7/10 (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
π 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: Saint Marys, Pennsylvania
Located in the Great Lakes region in Elk County, Saint Marys is a city of approximately 12,736 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 Saint Marys a community where hazard awareness has real practical value.
FEMA rates Saint Marys's composite natural disaster risk at 4.7 out of 10 β moderate risk. Avalanche risk is the dominant natural hazard, with steep mountain terrain and heavy seasonal snowpack creating conditions for dangerous snow slides in and around the area. Residents should also account for lightning and hurricane risk in their preparedness planning.
Relative to other U.S. communities, Saint Marys'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, Saint Marys 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 Saint Marys: 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 Saint Marys
These city-level factors differentiate Saint Marys from other communities in Elk County and provide geographic context for its hazard exposure.
Population
12,736
SuburbanGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Moderate Continental
Latitude 41.5Β°
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
41.4567Β° N, 78.5344Β° 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 Saint Marys
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Saint Marys
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.