Natural Disaster Risk — ZIP Code 16441

Natural Hazard Profile: ZIP 16441, Pennsylvania

Located in the Great Lakes region, ZIP 16441 serves the Waterford community. The humid continental climate of this part of Pennsylvania — bringing cold winters, warm summers, and four distinct seasons — directly shapes the hazard exposure for properties in this postal area.

ZIP 16441's overall natural disaster risk is rated 6.4/10 (High) 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 winter and wind.

Relative to other U.S. communities, ZIP 16441's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 5.9/10 state average. The hazard distribution here is led by lightning and winter, as measured by FEMA across Pennsylvania. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, ZIP 16441 residents benefit from taking preparedness seriously. Reviewing insurance coverage for lightning and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.