State Risk Profile
Pennsylvania PA
Pennsylvania's housing risks are led by flood exposure, older infrastructure, and hotter summers than many buyers expect.
FloodExtreme HeatWildfire
Statewide Profile
- Population
- 13.0M
- Insurance Market
- Low Pressure
- Cities Profiled
- 0
- Last Reviewed
- 2026-06-06
Risk Summary
Pennsylvania is mostly a flood-and-heat state, with river valleys, urban stormwater, and aging housing systems shaping risk.
Flood exposure is significant along river systems and in older metros, while heat is emerging as a more visible statewide issue.
Insurance Market
Insurance remains broadly available, but repetitive water losses and old housing stock can raise costs and due-diligence needs.
- Basement and stormwater flooding are practical buyer issues.
- Older homes may need upgrades for both heat and moisture resilience.
Notable Events
Significant state-level events
2021Flood
Ida-related flooding
Heavy rainfall caused severe flooding in parts of Pennsylvania.
2023Extreme Heat
Northeast heat episodes
Hotter summers increased cooling demand in aging housing stock.
City Directory
Pennsylvania cities coming soon
City-level profiles for Pennsylvania are being prepared. The statewide risk profile and insurance notes are live above.
Search any address nowLocation Reports
Active Address Risk Reports in Pennsylvania
Explore parcel-level climate risk snapshots and insurance cost estimates for ZIP codes in Pennsylvania.
15001Aliquippa15009Beaver15010Beaver Falls15012Belle Vernon15017Bridgeville15025Clairton15044Gibsonia15057McDonald15068New Kensington15090Wexford15101Allison Park15102Bethel Park15106Carnegie15108Coraopolis15116Glenshaw15120Homestead15122West Mifflin15132Mckeesport15136McKees Rocks15143Sewickley15146Monroeville15147Verona15202Pittsburgh15205Pittsburgh15206Pittsburgh15210Pittsburgh15212Pittsburgh15213Pittsburgh15214Pittsburgh15216Pittsburgh15217Pittsburgh15218Pittsburgh15220Pittsburgh15221Pittsburgh15227Pittsburgh15228Pittsburgh15229Pittsburgh15234Pittsburgh15235Pittsburgh15236Pittsburgh15237Pittsburgh15239Pittsburgh15241Pittsburgh15301Washington15317Canonsburg15370Waynesburg15401Uniontown15425Connellsville15501Somerset15601Greensburg15642Irwin15644Jeannette15650Latrobe15666Mount Pleasant15668Murrysville15701Indiana15767Punxsutawney15801Du Bois15904Johnstown15905Johnstown16001Butler16002Butler16046Mars16057Slippery Rock16066Cranberry Township16101New Castle16105New Castle16117Ellwood City16125Greenville16127Grove City16148Hermitage16201Kittanning16301Oil City16323Franklin16335Meadville16365Warren16502Erie16503Erie16504Erie16505Erie16506Erie16508Erie16509Erie16510Erie16601Altoona16602Altoona16648Hollidaysburg16652Huntingdon16701Bradford16801State College16803State College16823Bellefonte17011Camp Hill17013Carlisle17015Carlisle17019Dillsburg17022Elizabethtown17025Enola17033Hershey17036Hummelstown17042Lebanon17044Lewistown17046Lebanon17050Mechanicsburg17055Mechanicsburg17057Middletown17067Myerstown17070New Cumberland17078Palmyra17104Harrisburg17109Harrisburg17110Harrisburg17111Harrisburg17112Harrisburg17201Chambersburg17202Chambersburg17225Greencastle17257Shippensburg17268Waynesboro17315Dover17325Gettysburg17331Hanover17356Red Lion17362Spring Grove17401York17402York17403York17404York17406York17408York17512Columbia17517Denver17522Ephrata17543Lititz17545Manheim17552Mount Joy17557New Holland17601Lancaster17602Lancaster17603Lancaster17701Williamsport17745Lock Haven17801Sunbury17815Bloomsburg17821Danville17837Lewisburg17870Selinsgrove17901Pottsville18013Bangor18015Bethlehem18017Bethlehem18018Bethlehem18020Bethlehem18036Coopersburg18040Easton18042Easton18045Easton18049Emmaus18052Whitehall18062Macungie18064Nazareth18067Northampton18102Allentown18103Allentown18104Allentown18109Allentown18201Hazleton18235Lehighton18301East Stroudsburg18302East Stroudsburg18337Milford18360Stroudsburg18407Carbondale18411Clarks Summit18444Moscow18466Tobyhanna18504Scranton18505Scranton18509Scranton18510Scranton18603Berwick18612Dallas18640Pittston18702Wilkes Barre18704Kingston18705Wilkes Barre18706Wilkes Barre18707Mountain Top18901Doylestown18902Doylestown18914Chalfont18940Newtown18944Perkasie18951Quakertown18964Souderton18966Southampton18969Telford18974Warminster18976Warrington19001Abington19002Ambler19003Ardmore19006Huntingdon Valley19007Bristol19008Broomall19010Bryn Mawr19013Chester19014Aston19015Brookhaven19018Clifton Heights19020Bensalem19023Darby19026Drexel Hill19027Elkins Park19038Glenside19040Hatboro19044Horsham19046Jenkintown19047Langhorne19050Lansdowne19053Feasterville Trevose19054Levittown19056Levittown19057Levittown19061Marcus Hook19063Media19064Springfield19067Morrisville19073Newtown Square19082Upper Darby19083Havertown19087Wayne19090Willow Grove19096Wynnewood19103Philadelphia19104Philadelphia19106Philadelphia19107Philadelphia19111Philadelphia19114Philadelphia19115Philadelphia19116Philadelphia19119Philadelphia19120Philadelphia19121Philadelphia19122Philadelphia19123Philadelphia19124Philadelphia19125Philadelphia19126Philadelphia19128Philadelphia19130Philadelphia19131Philadelphia19132Philadelphia19133Philadelphia19134Philadelphia19135Philadelphia19136Philadelphia19138Philadelphia19139Philadelphia19140Philadelphia19141Philadelphia19142Philadelphia19143Philadelphia19144Philadelphia19145Philadelphia19146Philadelphia19147Philadelphia19148Philadelphia19149Philadelphia19150Philadelphia19151Philadelphia19152Philadelphia19154Philadelphia19320Coatesville19335Downingtown19341Exton19342Glen Mills19348Kennett Square19355Malvern19363Oxford19380West Chester19382West Chester19401Norristown19403Norristown19406King Of Prussia19422Blue Bell19425Chester Springs19426Collegeville19428Conshohocken19438Harleysville19440Hatfield19446Lansdale19454North Wales19460Phoenixville19462Plymouth Meeting19464Pottstown19465Pottstown19468Royersford19473Schwenksville19508Birdsboro19512Boyertown19518Douglassville19522Fleetwood19525Gilbertsville19530Kutztown19601Reading19602Reading19604Reading19605Reading19606Reading19607Reading19608Reading19610Reading