🌍 ClimateRiskCheck

Natural Disaster Risk in Somerset

Pennsylvania

5.9out of 10
Moderate Risk

Risk Summary for Somerset

Somerset scores 5.9/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Landslide Hurricane

All 18 Hazard Scores

Avalanche
8.9
Landslide
8.4
Hurricane
8.2
Lightning
8.2
Winter Weather
7.8
Strong Wind
6.7
Hail
6.7
Earthquake
6.0
Drought
5.7
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Wildfire
4.8
Tornado
4.3
Ice Storm
4.1
Extreme Heat
3.1
Cold Wave
2.3
Riverine Flooding
1.0

How it compares

Somerset
5.9
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: Somerset, Pennsylvania

Somerset, in Somerset County, is a city of approximately 16,240 residents situated in the interior eastern United States. Its humid continental climate brings cold winters, warm summers, and four distinct seasons, and in particular nor'easter exposure and spring river flooding. These conditions collectively define the natural hazard environment that Somerset residents and property owners must navigate.

According to FEMA's National Risk Index, Somerset carries an overall risk score of 5.9/10, placing it in the moderate category. 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. The area also faces notable exposure to landslide and hurricane.

Within Pennsylvania, Somerset's risk is, near the 5.9/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Somerset County identifies avalanche as the foremost hazard, followed by landslide and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Somerset 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 Somerset: Avalanche preparedness

  • Properties in runout zones may require specialized hazard assessment and insurance.
  • 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.

Local Factors for Somerset

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

Population

16,240

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 40.0Β°

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: 4.8/10

Coordinates

40.0358Β° N, 79.1302Β° W

Somerset 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 Somerset

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Somerset

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.