Climate Risk Summary

Ester, AK Risk Profile

The primary drivers of climate-related financial risk in Ester, AK are Wildfire, Earthquake, and Cold Wave. This area also faces an unusually high intensity for Landslide and Winter Weather compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Ester.

Primary Risks

Wildfire

$713,977

Expected Annual Loss for Ester

99.6Score

Very High compared to US average

Ester (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Earthquake

$568,645

Expected Annual Loss for Ester

95.1Score

Relatively High compared to US average

Ester
Minimal Estimated LossMax Estimated Loss

Cold Wave

$393,331

Expected Annual Loss for Ester

99.3Score

Very High compared to US average

Ester (OUTLIER)
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Wildfire
$713,977
Score: 99.6
MAJOR DRIVER
Earthquake
$568,645
Score: 95.1
MAJOR DRIVER
Cold Wave
$393,331
Score: 99.3
Avalanche
$152,222
Score: 75.4
Inland Flooding
$130,249
Score: 31.3
UNUSUALLY HIGH
Landslide
$128,071
Score: 99.9
UNUSUALLY HIGH
Winter Weather
$28,181
Score: 99.5
Lightning
$7,155
Score: 71.2
Ice Storm
$1,009
Score: 38.3
Strong Wind
$95
Score: 4.1
Volcanic Activity
$0
Score: 70.0
Tornado
$0
Score: 0.2

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 99.6
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 95.1
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.3
🏠Low Investment

Avalanche Mitigation

General property maintenance and insurance review recommended.

Risk Score: 75.4
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 99.9
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.5
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 71.2
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 70.0

Sources and Methodology

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

BadgerChena RidgeCollegeFairbanksFarmers Loop

Zip Codes in Ester

99709