Natural Disaster Risk — ZIP Code 16735
Kane, Pennsylvania
Risk Summary for ZIP 16735
ZIP 16735 scores 5.0/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Winter Weather.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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 16735, Pennsylvania
Located in the Great Lakes region, ZIP 16735 serves the Kane 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 16735's overall natural disaster risk is rated 5.0/10 (Moderate) by FEMA's National Risk Index. The area faces significant winter hazard exposure, with nor'easters, ice storms, or blizzards regularly challenging transportation networks and power infrastructure. Secondary hazards include avalanche and landslide.
Relative to other U.S. communities, ZIP 16735'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 winter and avalanche, as measured by FEMA across Pennsylvania. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 16735'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 winter exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 16735: Winter Weather preparedness
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
- Clear roof snow loads when heavy to prevent structural strain and ice dams.
- Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
Risk for the surrounding area
Local Factors for ZIP 16735
These city-level factors differentiate ZIP 16735 from other communities in Pennsylvania County and provide geographic context for its hazard exposure.
Population
6,149
Small TownGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Moderate Continental
Latitude 41.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.1/10
Coordinates
41.6305° N, 78.8100° 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 16735
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.