Natural Disaster Risk — ZIP Code 17104
Harrisburg, Pennsylvania
Risk Summary for ZIP 17104
ZIP 17104 scores 7.3/10 (High risk), above 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
Above-average risk — 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 17104, Pennsylvania
Located in the interior eastern United States, ZIP 17104 serves the Harrisburg 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 17104's overall natural disaster risk is rated 7.3/10 (High) 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 wind and hurricane.
Relative to other U.S. communities, ZIP 17104's natural disaster risk is well 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 winter and wind, as measured by FEMA across Pennsylvania. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 17104'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 17104: 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 17104
These city-level factors differentiate ZIP 17104 from other communities in Pennsylvania County and provide geographic context for its hazard exposure.
Population
18,541
SuburbanGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Moderate Continental
Latitude 40.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.6/10
Coordinates
40.2390° N, 76.8499° 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 17104
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.