riskbycounty
FEMA National Risk Index

Luzerne County Disaster Risk

Luzerne County, Pennsylvania

FEMA Risk Rating

Relatively Moderate

National Percentile

92th

of 3,144 counties

State Rank

#10

of 67 (1 = highest risk)

Flood Risk

95th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Relatively High

Higher than 95% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Relatively Low

Higher than 54% of US counties

Tornado

Tornado and severe thunderstorm risk

Moderate

Higher than 82% of US counties

Earthquake

Seismic activity and ground shaking risk

Moderate

Higher than 84% of US counties

Hurricane

Tropical cyclone and hurricane risk

Moderate

Higher than 83% of US counties

Risk Advisory: Luzerne County

Risk Verdict

Luzerne County has a relatively moderate overall disaster risk profile, scoring in the 92th percentile nationally. While not in the highest tier, this county faces meaningful hazard exposure. Residents are encouraged to understand their specific risks and maintain emergency supplies.

Hazard Breakdown

Flood risk is the dominant hazard for Luzerne County, scoring in the 95th percentile nationally. It is followed by earthquake risk at the 84th percentile. Additional hazards include hurricane (83th), tornado (82th), wildfire (54th).

Preparedness Context

With flood risk as the top concern, Luzerne County residents should review flood insurance needs (standard home insurance does not cover flood damage), know your evacuation zone, and keep important documents waterproofed. Secondary risks such as earthquake also warrant attention in household and community preparedness planning. FEMA recommends all households maintain at least 72 hours of food, water, and medication supplies regardless of specific hazard exposure.

Regional Context

Luzerne County is significantly riskier than the average county in Pennsylvania. Its composite risk score is 24.2 points higher than the state average, meaning residents face above-average exposure to natural hazards compared to their neighbors.

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Frequently Asked Questions

What is the natural disaster risk in Luzerne County, PA?
Luzerne County has a FEMA National Risk Index rating of Relatively Moderate, placing it in the 92th percentile nationally out of 3,144 counties. This composite score reflects the county's overall exposure to natural hazards including floods, wildfires, tornadoes, earthquakes, and hurricanes, weighted by expected annual loss and social vulnerability.
What types of natural hazards affect Luzerne County?
Luzerne County is evaluated for five major natural hazard types: flooding (95th percentile), earthquake (84th percentile), hurricane (83th percentile), tornado (82th percentile), wildfire (54th percentile). The highest-risk hazard is flooding at the 95th percentile nationally. These scores are derived from FEMA's National Risk Index, which analyzes expected annual loss, social vulnerability, and community resilience for each hazard type.
How does Luzerne County risk compare to the Pennsylvania average?
Luzerne County's composite risk percentile is 92th, compared to the Pennsylvania state average of 67th percentile. The state's overall risk rating is Relatively Low. This means Luzerne County faces higher natural disaster risk than the typical county in Pennsylvania.
Is Luzerne County at risk for flooding?
Yes, Luzerne County's flooding risk is at the 95th percentile nationally. This places it in the top quartile for this hazard type.
How is natural disaster risk measured?
FEMA's National Risk Index (NRI) calculates risk scores for 18 natural hazard types across all U.S. counties and census tracts. The composite score combines Expected Annual Loss (estimated dollar losses from each hazard), Social Vulnerability (demographic factors affecting disaster impact), and Community Resilience (ability to recover). Percentile scores rank each county against all 3,144 U.S. counties, and risk ratings range from Very Low to Very High.
Why is Luzerne County higher risk than average?
Luzerne County's composite risk score of 92th percentile is above the Pennsylvania state average of 67th percentile. This elevated risk is driven by flooding exposure (95th percentile), along with earthquake and hurricane and tornado and wildfire risk. Geographic location, terrain, climate patterns, and proximity to flood zones or fault lines all influence a county's risk profile.

Counties with Similar Risk

Chester County

Pennsylvania

+0.2

Relatively Moderate

92th percentile

Dauphin County

Pennsylvania

-0.6

Relatively Moderate

91th percentile

Berks County

Pennsylvania

+1.1

Relatively Moderate

93th percentile

By Logan Johnson, Founder & Data EditorUpdated Reviewed by Logan Johnson, Founder & Data Editor

Data Source

Risk data sourced from the FEMA National Risk Index (NRI). Risk scores are relative rankings (0–100) across all US counties — not absolute risk measures. Higher scores indicate higher relative risk compared to other counties.

Disclaimer: This data is informational only. It is not financial, insurance, or legal advice. Always consult a qualified professional before making insurance or real estate decisions.

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