Natural Disaster Risk — ZIP Code 16362

Natural Hazard Profile: ZIP 16362, Pennsylvania

ZIP 16362 covers part of the Utica area, in the Great Lakes region. The surrounding region experiences cold winters, warm summers, and four distinct seasons, with nor'easter exposure and spring river flooding shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.

FEMA rates ZIP 16362's composite natural disaster risk at 4.9 out of 10 — moderate risk. Snow avalanche exposure tops the local risk profile, with the area's mountain setting and annual snowfall loading producing regular avalanche cycles on steep slopes. Residents should also account for lightning and wind risk in their preparedness planning.

ZIP 16362's risk score, slightly below the 5.9/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are avalanche, lightning, and wind. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 16362'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 avalanche exposure is adequately protected is a worthwhile step for property owners.