🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 15739

Ernest, Pennsylvania

5.6out of 10
Moderate Risk

Risk Summary for ZIP 15739

ZIP 15739 scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Avalanche Lightning

All 18 Hazard Scores

Landslide
9.8
Avalanche
8.9
Lightning
8.6
Hurricane
8.1
Cold Wave
6.3
Hail
5.8
Earthquake
5.5
Strong Wind
5.4
Tsunami
5.4
Volcanic Activity
5.1
Tornado
5.0
Coastal Flooding
4.9
Ice Storm
4.7
Wildfire
4.6
Extreme Heat
4.1
Winter Weather
2.1
Drought
1.7
Riverine Flooding
1.0

How it compares

ZIP 15739
5.6
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: ZIP 15739, Pennsylvania

Located in the interior eastern United States, ZIP 15739 serves the Ernest community. The humid continental climate of this part of Pennsylvania β€” bringing cold winters, warm summers, and four distinct seasons β€” directly shapes the hazard exposure for properties in this postal area.

ZIP 15739's overall natural disaster risk is rated 5.6/10 (Moderate) by FEMA's National Risk Index. Slope instability and debris flows are the primary natural hazard, driven by a combination of local geology, precipitation intensity, and terrain that creates susceptibility to failure. Secondary hazards include avalanche and lightning.

Relative to other U.S. communities, ZIP 15739's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.9/10 state average. The hazard distribution here is led by landslide and avalanche, as measured by FEMA across Pennsylvania. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, ZIP 15739 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 landslide is recommended.

What this means for ZIP 15739: Landslide preparedness

  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.
  • Have an evacuation plan ready during periods of intense or prolonged rainfall.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.

Risk for the surrounding area

Local Factors for ZIP 15739

These city-level factors differentiate ZIP 15739 from other communities in Pennsylvania County and provide geographic context for its hazard exposure.

Population

366

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 40.7Β°

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: 4.6/10

Coordinates

40.6788Β° N, 79.1645Β° W

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for ZIP 15739

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in Pennsylvania

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only β€” consult official emergency management resources and a licensed insurer for property-specific advice.