Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Pennsylvania
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
Pennsylvania ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Centre County | $422 | Relatively Low | $308,100 |
| 2 | Erie County | $432 | Relatively Moderate | $169,500 |
| 3 | Beaver County | $493 | Relatively Low | $185,500 |
| 4 | Westmoreland County | $494 | Relatively Moderate | $193,100 |
| 5 | Cambria County | $568 | Relatively Low | $115,900 |
| 6 | Clarion County | $580 | Very Low | $152,100 |
| 7 | Indiana County | $581 | Relatively Low | $145,400 |
| 8 | York County | $588 | Relatively Moderate | $235,000 |
| 9 | Butler County | $595 | Relatively Low | $275,600 |
| 10 | Franklin County | $598 | Relatively Low | $236,300 |
| 11 | Delaware County | $623 | Relatively Moderate | $302,400 |
| 12 | Allegheny County | $648 | Relatively High | $216,700 |
| 13 | Cumberland County | $653 | Relatively Moderate | $261,900 |
| 14 | Washington County | $655 | Relatively Moderate | $220,600 |
| 15 | Luzerne County | $659 | Relatively Moderate | $163,800 |
| 16 | Fulton County | $663 | Very Low | $206,000 |
| 17 | Blair County | $671 | Relatively Low | $156,700 |
| 18 | Adams County | $674 | Relatively Low | $256,100 |
| 19 | Fayette County | $675 | Relatively Moderate | $126,900 |
| 20 | Lawrence County | $683 | Relatively Low | $136,700 |
| 21 | Clearfield County | $695 | Relatively Low | $125,000 |
| 22 | Montour County | $709 | Very Low | $240,300 |
| 23 | Berks County | $739 | Relatively Moderate | $239,700 |
| 24 | Venango County | $739 | Relatively Low | $114,500 |
| 25 | Mercer County | $740 | Relatively Low | $153,600 |
| 26 | Northampton County | $744 | Relatively Moderate | $285,000 |
| 27 | Somerset County | $754 | Relatively Low | $130,600 |
| 28 | Jefferson County | $770 | Relatively Low | $126,700 |
| 29 | Lebanon County | $774 | Relatively Low | $227,300 |
| 30 | Crawford County | $796 | Relatively Low | $143,400 |
| 31 | Carbon County | $797 | Relatively Low | $193,700 |
| 32 | Lancaster County | $807 | Relatively High | $279,400 |
| 33 | Bucks County | $818 | Relatively High | $421,700 |
| 34 | Lackawanna County | $820 | Relatively Moderate | $189,900 |
| 35 | Dauphin County | $833 | Relatively Moderate | $222,300 |
| 36 | Wayne County | $847 | Relatively Low | $228,200 |
| 37 | Schuylkill County | $850 | Relatively Moderate | $140,400 |
| 38 | Chester County | $853 | Relatively Moderate | $461,800 |
| 39 | Lycoming County | $886 | Relatively Low | $195,600 |
| 40 | Montgomery County | $889 | Relatively High | $409,900 |
| 41 | Lehigh County | $895 | Relatively Moderate | $276,100 |
| 42 | Clinton County | $904 | Relatively Low | $179,100 |
| 43 | McKean County | $929 | Relatively Low | $98,700 |
| 44 | Monroe County | $939 | Relatively Moderate | $241,200 |
| 45 | Columbia County | $941 | Relatively Low | $199,200 |
| 46 | Huntingdon County | $969 | Relatively Low | $180,300 |
| 47 | Juniata County | $987 | Very Low | $206,300 |
| 48 | Armstrong County | $991 | Relatively Low | $146,300 |
| 49 | Northumberland County | $993 | Relatively Low | $151,600 |
| 50 | Mifflin County | $996 | Relatively Low | $142,900 |
| 51 | Philadelphia County | $997 | Very High | $232,400 |
| 52 | Perry County | $998 | Relatively Low | $222,800 |
| 53 | Union County | $1,008 | Relatively Low | $222,900 |
| 54 | Pike County | $1,019 | Relatively Low | $250,900 |
| 55 | Snyder County | $1,028 | Relatively Low | $205,500 |
| 56 | Tioga County | $1,115 | Relatively Low | $176,000 |
| 57 | Potter County | $1,139 | Very Low | $146,200 |
| 58 | Susquehanna County | $1,147 | Relatively Low | $206,700 |
| 59 | Elk County | $1,149 | Relatively Low | $128,600 |
| 60 | Greene County | $1,205 | Relatively Low | $146,200 |
| 61 | Bedford County | $1,225 | Relatively Low | $172,900 |
| 62 | Wyoming County | $1,242 | Relatively Low | $205,600 |
| 63 | Bradford County | $1,315 | Relatively Low | $182,300 |
| 64 | Warren County | $1,420 | Relatively Low | $121,800 |
| 65 | Sullivan County | $1,605 | Very Low | $186,400 |
| 66 | Cameron County | $1,880 | Very Low | $88,200 |
| 67 | Forest County | $2,562 | Very Low | $111,900 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Pennsylvania