🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 16127

Grove City, Pennsylvania

5.6out of 10
Moderate Risk

Risk Summary for ZIP 16127

ZIP 16127 scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Winter Weather Hail

All 18 Hazard Scores

Lightning
8.9
Winter Weather
8.1
Hail
7.9
Strong Wind
7.7
Hurricane
7.6
Tornado
6.1
Earthquake
5.8
Tsunami
5.4
Ice Storm
5.2
Volcanic Activity
5.1
Landslide
5.0
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
4.4
Extreme Heat
3.8
Cold Wave
3.3
Drought
1.7
Riverine Flooding
1.0

How it compares

ZIP 16127
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 16127, Pennsylvania

ZIP 16127 in Grove City 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 16127 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 16127'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.

With a moderate risk rating, ZIP 16127 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 16127: Lightning preparedness

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

Risk for the surrounding area

Local Factors for ZIP 16127

These city-level factors differentiate ZIP 16127 from other communities in Pennsylvania County and provide geographic context for its hazard exposure.

Population

15,117

Suburban

Geographic Zone

Great Lakes

Lake-effect snow & wind risk

Climate Band

Moderate Continental

Latitude 41.2Β°

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: 4.4/10

Coordinates

41.1743Β° N, 80.0700Β° 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 16127

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.