🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 18437

Lake Como, Pennsylvania

5.4out of 10
Moderate Risk

Risk Summary for ZIP 18437

ZIP 18437 scores 5.4/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Hurricane Landslide

All 18 Hazard Scores

Avalanche
8.8
Hurricane
8.4
Landslide
7.8
Strong Wind
6.9
Cold Wave
6.8
Winter Weather
6.1
Lightning
5.9
Earthquake
5.4
Tsunami
5.4
Volcanic Activity
5.1
Ice Storm
5.1
Coastal Flooding
4.9
Extreme Heat
4.1
Tornado
3.9
Wildfire
3.0
Hail
2.9
Drought
1.7
Riverine Flooding
1.0

How it compares

ZIP 18437
5.4
Pennsylvania avg.
5.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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 18437, Pennsylvania

ZIP 18437 in Lake Como 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 18437 carries an overall risk score of 5.4/10, placing it in the moderate category. Avalanche risk is the dominant natural hazard, with steep mountain terrain and heavy seasonal snowpack creating conditions for dangerous snow slides in and around the area. The area also faces notable exposure to hurricane and landslide.

Within Pennsylvania, ZIP 18437's risk is, slightly below 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 avalanche as the foremost hazard, followed by hurricane and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 18437 residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for avalanche is recommended.

What this means for ZIP 18437: Avalanche preparedness

  • Properties in runout zones may require specialized hazard assessment and insurance.
  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
  • Be aware of slope angles and recent snow loading, which drive avalanche risk.

Risk for the surrounding area

Local Factors for ZIP 18437

These city-level factors differentiate ZIP 18437 from other communities in Pennsylvania County and provide geographic context for its hazard exposure.

Population

137

Rural

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 41.9Β°

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: 3.0/10

Coordinates

41.8686Β° N, 75.3034Β° 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 18437

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.