🌍 ClimateRiskCheck

Natural Disaster Risk in Sugarloaf

Pennsylvania

7.5out of 10
High Risk

Risk Summary for Sugarloaf

Sugarloaf scores 7.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Lightning Cold Wave

All 18 Hazard Scores

Winter Weather
9.8
Lightning
9.6
Cold Wave
9.5
Extreme Heat
9.2
Avalanche
9.2
Hurricane
8.9
Earthquake
8.6
Ice Storm
8.5
Tornado
8.4
Strong Wind
8.1
Landslide
8.0
Wildfire
5.9
Hail
5.9
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Drought
1.7
Riverine Flooding
1.0

How it compares

Sugarloaf
7.5
Pennsylvania avg.
5.9
US national avg.
4.5

Live Conditions

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🏠 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: Sugarloaf, Pennsylvania

Sugarloaf, in Luzerne County, is a town of roughly 4,191 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 Sugarloaf residents and property owners must navigate.

According to FEMA's National Risk Index, Sugarloaf carries an overall risk score of 7.5/10, placing it in the high category. 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. The area also faces notable exposure to lightning and cold wave.

Within Pennsylvania, Sugarloaf's risk is, considerably above the 5.9/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Luzerne County identifies winter as the foremost hazard, followed by lightning and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Sugarloaf'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 Sugarloaf: Winter Weather preparedness

  • 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.
  • Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.

Local Factors for Sugarloaf

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

Population

4,191

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 41.0Β°

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

40.9846Β° N, 76.1206Β° 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 Sugarloaf

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Sugarloaf

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.