🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 18962

Silverdale, Pennsylvania

8.2out of 10
Very High Risk

Risk Summary for ZIP 18962

ZIP 18962 scores 8.2/10 (Very High risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.

Top Hazards

Ice Storm Winter Weather Extreme Heat

All 18 Hazard Scores

Winter Weather
9.9
Ice Storm
9.9
Extreme Heat
9.6
Earthquake
9.5
Strong Wind
9.5
Coastal Flooding
9.5
Tornado
9.3
Lightning
9.3
Hurricane
9.2
Cold Wave
9.2
Avalanche
8.5
Drought
8.0
Landslide
6.2
Wildfire
6.1
Tsunami
5.4
Volcanic Activity
5.1
Hail
4.8
Riverine Flooding
1.0

How it compares

ZIP 18962
8.2
Pennsylvania avg.
5.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

High-risk area β€” review your coverage carefully

Properties in very high-risk areas often require specialized coverage that standard homeowners policies do not include. Consider flood insurance through the NFIP, wildfire-specific endorsements, or earthquake riders depending on your top hazards. Premiums in these areas can be significantly higher than average.

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

Natural Hazard Profile: ZIP 18962, Pennsylvania

ZIP 18962 in Silverdale 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 18962 carries an overall risk score of 8.2/10, placing it in the very high category. Ice storm risk tops the local winter hazard profile, with freezing rain events capable of coating roads, trees, and power lines with ice that causes widespread outages and dangerous travel conditions. The area also faces notable exposure to winter and heat.

Within Pennsylvania, ZIP 18962's risk is, considerably 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 ice storm as the foremost hazard, followed by winter and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Given ZIP 18962's very high risk classification, residents should treat disaster preparedness as a year-round priority. This means maintaining updated homeowners and flood insurance, building a 72-hour emergency kit, knowing the evacuation routes for the primary hazards, and signing up for local emergency alert systems.

What this means for ZIP 18962: Ice Storm preparedness

  • Have a backup heat source and charged devices ready before winter storms arrive.
  • Prepare for multi-day power outages, as ice accretion frequently downs power lines.
  • Keep walkways treated and avoid travel during freezing-rain events.

Risk for the surrounding area

Local Factors for ZIP 18962

These city-level factors differentiate ZIP 18962 from other communities in Pennsylvania County and provide geographic context for its hazard exposure.

Population

531

Rural

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

Moderate β€” seasonal fire risk

Fire score: 6.1/10

Coordinates

40.3446Β° N, 75.2703Β° 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 18962

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.