Natural Disaster Risk — ZIP Code 18466
Tobyhanna, Pennsylvania
Risk Summary for ZIP 18466
ZIP 18466 scores 6.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Lightning.
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 18466, Pennsylvania
Located along the northeastern Atlantic Seaboard, ZIP 18466 serves the Tobyhanna 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 18466's overall natural disaster risk is rated 6.9/10 (High) by FEMA's National Risk Index. Frequent lightning strikes from an active thunderstorm environment represent the top natural hazard risk, posing safety concerns and causing fire ignitions and power outages. Secondary hazards include cold wave and winter.
Relative to other U.S. communities, ZIP 18466'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 lightning and cold wave, as measured by FEMA across Pennsylvania. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 18466'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 18466: Lightning preparedness
- Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
- Avoid plumbing and corded electronics during active thunderstorms.
- Install whole-home surge protection to shield electronics from strike-related power surges.
Risk for the surrounding area
Local Factors for ZIP 18466
These city-level factors differentiate ZIP 18466 from other communities in Pennsylvania County and provide geographic context for its hazard exposure.
Population
17,794
SuburbanGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Moderate Continental
Latitude 41.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 5.8/10
Coordinates
41.1971° N, 75.3780° 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 18466
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.