🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 19543

Morgantown, Pennsylvania

8.2out of 10
Very High Risk

Risk Summary for ZIP 19543

ZIP 19543 scores 8.2/10 (Very High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Strong Wind Lightning

All 18 Hazard Scores

Winter Weather
9.9
Strong Wind
9.8
Lightning
9.6
Hurricane
9.5
Extreme Heat
9.5
Cold Wave
9.4
Drought
9.3
Landslide
9.3
Earthquake
9.2
Tornado
9.2
Avalanche
8.7
Ice Storm
8.1
Hail
7.2
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Wildfire
4.6
Riverine Flooding
1.0

How it compares

ZIP 19543
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 19543, Pennsylvania

Located along the northeastern Atlantic Seaboard, ZIP 19543 serves the Morgantown community. The humid continental climate of this part of Pennsylvania β€” bringing cold winters, warm summers, and four distinct seasons β€” directly shapes the hazard exposure for properties in this postal area.

ZIP 19543's overall natural disaster risk is rated 8.2/10 (Very 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 lightning.

Relative to other U.S. communities, ZIP 19543's natural disaster risk is well above the U.S. national average of 4.5/10, considerably 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.

Given ZIP 19543'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 19543: 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 19543

These city-level factors differentiate ZIP 19543 from other communities in Pennsylvania County and provide geographic context for its hazard exposure.

Population

6,401

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 40.2Β°

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: 4.6/10

Coordinates

40.1697Β° N, 75.8963Β° 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 19543

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.