🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 15865

Sykesville, Pennsylvania

5.3out of 10
Moderate Risk

Risk Summary for ZIP 15865

ZIP 15865 scores 5.3/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Avalanche Winter Weather

All 18 Hazard Scores

Lightning
8.8
Avalanche
8.4
Winter Weather
8.3
Landslide
8.2
Hurricane
8.0
Strong Wind
5.4
Tsunami
5.4
Cold Wave
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Earthquake
4.3
Tornado
4.0
Ice Storm
3.8
Hail
2.8
Wildfire
2.7
Extreme Heat
2.5
Drought
1.7
Riverine Flooding
1.0

How it compares

ZIP 15865
5.3
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 15865, Pennsylvania

Located in the Great Lakes region, ZIP 15865 serves the Sykesville 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 15865's overall natural disaster risk is rated 5.3/10 (Moderate) by FEMA's National Risk Index. Frequent lightning strikes from an active thunderstorm environment represent the top natural hazard risk, posing safety concerns and causing fire ignitions and power outages. Secondary hazards include avalanche and winter.

Relative to other U.S. communities, ZIP 15865's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 5.9/10 state average. The hazard distribution here is led by lightning 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 15865 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 lightning is recommended.

What this means for ZIP 15865: Lightning preparedness

  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
  • Avoid plumbing and corded electronics during active thunderstorms.
  • Install whole-home surge protection to shield electronics from strike-related power surges.

Risk for the surrounding area

Local Factors for ZIP 15865

These city-level factors differentiate ZIP 15865 from other communities in Pennsylvania County and provide geographic context for its hazard exposure.

Population

923

Rural

Geographic Zone

Great Lakes

Lake-effect snow & wind risk

Climate Band

Moderate Continental

Latitude 41.1Β°

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: 2.7/10

Coordinates

41.0508Β° N, 78.8142Β° 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 15865

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.