🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 18356

Shawnee On Delaware, Pennsylvania

6.9out of 10
High Risk

Risk Summary for ZIP 18356

ZIP 18356 scores 6.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Cold Wave Winter Weather

All 18 Hazard Scores

Lightning
9.7
Cold Wave
9.6
Winter Weather
9.4
Hurricane
8.8
Avalanche
8.7
Strong Wind
8.3
Ice Storm
7.9
Extreme Heat
7.8
Earthquake
7.7
Landslide
7.4
Tornado
7.0
Wildfire
5.8
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Hail
2.7
Drought
1.7
Riverine Flooding
1.0

How it compares

ZIP 18356
6.9
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 18356, Pennsylvania

ZIP 18356 in Shawnee On Delaware sits along the northeastern Atlantic Seaboard. 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 18356 carries an overall risk score of 6.9/10, placing it in the high category. Lightning from frequent convective storms is the leading natural hazard, with above-average strike density creating risks for outdoor activities, trees, and sensitive infrastructure. The area also faces notable exposure to cold wave and winter.

Within Pennsylvania, ZIP 18356'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 lightning as the foremost hazard, followed by cold wave and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 18356'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 18356: Lightning preparedness

  • Avoid plumbing and corded electronics during active thunderstorms.
  • Install whole-home surge protection to shield electronics from strike-related power surges.
  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.

Risk for the surrounding area

Local Factors for ZIP 18356

These city-level factors differentiate ZIP 18356 from other communities in Pennsylvania County and provide geographic context for its hazard exposure.

Population

N/A

Rural

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 41.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.8/10

Coordinates

41.0157Β° N, 75.1119Β° 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 18356

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.