🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 16354

Titusville, Pennsylvania

4.9out of 10
Moderate Risk

Risk Summary for ZIP 16354

ZIP 16354 scores 4.9/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Lightning Strong Wind

All 18 Hazard Scores

Avalanche
9.1
Lightning
8.5
Strong Wind
7.6
Landslide
7.2
Hurricane
7.0
Tsunami
5.4
Winter Weather
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Tornado
4.3
Ice Storm
3.9
Earthquake
3.7
Hail
2.7
Extreme Heat
2.6
Wildfire
2.4
Cold Wave
2.1
Drought
1.7
Riverine Flooding
1.0

How it compares

ZIP 16354
4.9
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 16354, Pennsylvania

Located in the Great Lakes region, ZIP 16354 serves the Titusville 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 16354's overall natural disaster risk is rated 4.9/10 (Moderate) by FEMA's National Risk Index. The threat of avalanche is the primary natural hazard here, with winter snowpack instability on mountain terrain posing risks to roads, structures, and outdoor recreation activities. Secondary hazards include lightning and wind.

Relative to other U.S. communities, ZIP 16354's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.9/10 state average. The hazard distribution here is led by avalanche and lightning, 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 16354 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 avalanche is recommended.

What this means for ZIP 16354: Avalanche preparedness

  • Be aware of slope angles and recent snow loading, which drive avalanche risk.
  • Properties in runout zones may require specialized hazard assessment and insurance.
  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.

Risk for the surrounding area

Local Factors for ZIP 16354

These city-level factors differentiate ZIP 16354 from other communities in Pennsylvania County and provide geographic context for its hazard exposure.

Population

9,989

Small Town

Geographic Zone

Great Lakes

Lake-effect snow & wind risk

Climate Band

Moderate Continental

Latitude 41.6Β°

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: 2.4/10

Coordinates

41.6148Β° N, 79.7064Β° 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 16354

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.