The state of Pennsylvania is a humid continental zone, and the varying climate is dependent on region and elevations throughout the state. The southwest and southeast region of Pennsylvania have the highest temperatures. The area near Lake Erie is more moderate, while northeastern areas have cooler temperatures year-round due to a higher elevation.
In large cities like Pittsburgh and Philadelphia, pollution is responsible for more days of stagnant air and Philadelphia is the 17th fastest warming city in the U.S. As temperatures rise and air quality continues to threaten the ozone, extreme weather such as flooding and drought will become more prevalent.
Although the annual levels of snow and rain in Pennsylvania are higher than the national average, we can expect to see an increase of rain rather than snow during the winter months.
Over 60 percent of meteorological stations in Pennsylvania report having more winter precipitation in the form of rain than snow. More precipitation results in an increased risk of flooding for thousands of Pennsylvania residents.
An estimated 430,000 Pennsylvanians are living in a high-risk area for inland flooding, which can compromise sewer systems and cause structural damage to homes. There are also around 7,000 residents living in areas that are at-risk for coastal flooding.
Climatologists predict that the number should double by 2050.
Tornadoes are not as common in Pennsylvania as other parts of the U.S., but there are an average of 12 tornadoes each year.
Between 1950 and 2017, Pennsylvania experienced a total of 793 tornadoes resulting in 93 fatalities and 1,544 injuries related to tornadic activity. The longest path of a tornado in Pennsylvania is 69 miles with the widest path measuring 3,330 yards.
Although April and May are often peak tornado months, it’s not uncommon for Pennsylvania to experience at least two tornadoes per year during June.
With the changing climate and warmer temperatures throughout the state, the incidence rate of tornadoes may increase within the next few years resulting in higher-risk areas and more damage to homes and properties.
The Pennsylvania FAIR PLAN, which was formerly known as The Insurance Placement Facility of Pennsylvania, is an insurance option for homeowners who may not qualify for insurance through the voluntary market due to living in high-risk areas.
The FAIR Plan provides basic property insurance, but it may not be your only option. Searching for insurance coverage through the private insurance marketplace may be a better alternative to
the Pennsylvania FAIR Plan so that you can find adequate and affordable coverage for your assets.