Climate Risk Summary

Homer, AK Risk Profile

The primary drivers of climate-related financial risk in Homer, AK are Avalanche, Earthquake, and Tsunami. This area also faces an unusually high intensity for Wildfire, Winter Weather, Coastal Flooding, Volcanic Activity, and Landslide compared to national averages.

City-Wide Aggregation

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

Primary Risks

Avalanche

$9,835,154

Expected Annual Loss for Homer

99.2Score

Very High compared to US average

Homer
Minimal Estimated LossMax Estimated Loss

Earthquake

$7,472,836

Expected Annual Loss for Homer

99.8Score

Very High compared to US average

Homer (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Tsunami

$2,406,227

Expected Annual Loss for Homer

96.2Score

Relatively High compared to US average

Homer
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Avalanche
$9,835,154
Score: 99.2
MAJOR DRIVER
Earthquake
$7,472,836
Score: 99.8
MAJOR DRIVER
Tsunami
$2,406,227
Score: 96.2
Inland Flooding
$317,173
Score: 27.4
UNUSUALLY HIGH
Wildfire
$47,091
Score: 92.6
UNUSUALLY HIGH
Winter Weather
$43,505
Score: 98.3
Cold Wave
$7,356
Score: 23.2
UNUSUALLY HIGH
Coastal Flooding
$2,510
Score: 81.6
Ice Storm
$1,601
Score: 25.4
UNUSUALLY HIGH
Volcanic Activity
$211
Score: 97.0
UNUSUALLY HIGH
Landslide
$75
Score: 80.1
Hail
$1
Score: 0.2

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

🏠Low Investment

Avalanche Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.2
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.8
🏠Low Investment

Tsunami Mitigation

General property maintenance and insurance review recommended.

Risk Score: 96.2
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 92.6
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.3
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 81.6
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 97.0
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 80.1

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

Diamond RidgeFox RiverKalifornskyKenaiNikolaevsk

Zip Codes in Homer

99603