Natural Disaster Risk — ZIP Code 16124

Natural Hazard Profile: ZIP 16124, Pennsylvania

ZIP 16124 in Fredonia sits in the Great Lakes region. Its humid continental climate produces cold winters, warm summers, and four distinct seasons, and notably nor'easter exposure and spring river flooding. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 16124 carries an overall risk score of 5.6/10, placing it in the moderate category. Lightning from frequent convective storms is the leading natural hazard, with above-average strike density creating risks for outdoor activities, trees, and sensitive infrastructure. The area also faces notable exposure to winter and hail.

Within Pennsylvania, ZIP 16124'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 Pennsylvania identifies lightning as the foremost hazard, followed by winter and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 16124's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that lightning exposure is adequately protected is a worthwhile step for property owners.