Natural Disaster Risk — ZIP Code 16841

Natural Hazard Profile: ZIP 16841, Pennsylvania

ZIP 16841 in Howard 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 16841 carries an overall risk score of 5.9/10, placing it in the moderate category. Winter weather is the dominant natural hazard, with the area facing heavy snowfall, ice accumulation, and bitter cold that can immobilize infrastructure and create dangerous travel conditions. The area also faces notable exposure to avalanche and lightning.

Within Pennsylvania, ZIP 16841'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 winter as the foremost hazard, followed by avalanche and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 16841'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.