🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 17036

Hummelstown, Pennsylvania

7.3out of 10
High Risk

Risk Summary for ZIP 17036

ZIP 17036 scores 7.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Strong Wind Hurricane

All 18 Hazard Scores

Winter Weather
9.8
Strong Wind
9.4
Hurricane
9.3
Extreme Heat
9.0
Lightning
9.0
Earthquake
8.9
Avalanche
8.9
Landslide
8.7
Tornado
8.2
Cold Wave
7.2
Ice Storm
6.0
Drought
5.6
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Wildfire
4.6
Hail
3.3
Riverine Flooding
1.0

How it compares

ZIP 17036
7.3
Pennsylvania avg.
5.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: ZIP 17036, Pennsylvania

ZIP 17036 in Hummelstown sits in the interior eastern United States. 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 17036 carries an overall risk score of 7.3/10, placing it in the high 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 wind and hurricane.

Within Pennsylvania, ZIP 17036's risk is, slightly above the 5.9/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Pennsylvania identifies winter as the foremost hazard, followed by wind and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 17036's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for ZIP 17036: Winter Weather preparedness

  • 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.
  • Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.

Risk for the surrounding area

Local Factors for ZIP 17036

These city-level factors differentiate ZIP 17036 from other communities in Pennsylvania County and provide geographic context for its hazard exposure.

Population

23,520

Suburban

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 40.3Β°

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: 4.6/10

Coordinates

40.2858Β° N, 76.6961Β° 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 17036

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.