Climate Risk Summary

Zip Code 86327, Risk Profile

The primary drivers of climate-related financial risk in Camp Verde, AZ (86327) are Inland Flooding, Wildfire, and Lightning.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Inland Flooding

$2,873,397

Expected Annual Loss for Zip Code 86327

76.4Score

Relatively High compared to US average

86327
Minimal Estimated LossMax Estimated Loss

Wildfire

$1,903,912

Expected Annual Loss for Zip Code 86327

98.5Score

Very High compared to US average

86327
Minimal Estimated LossMax Estimated Loss

Lightning

$130,574

Expected Annual Loss for Zip Code 86327

91.8Score

Very High compared to US average

86327
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$2,873,397
Score: 76.4
MAJOR DRIVER
Wildfire
$1,903,912
Score: 98.5
MAJOR DRIVER
Lightning
$130,574
Score: 91.8
Earthquake
$91,494
Score: 52.6
Heat Wave
$56,196
Score: 30.2
Hail
$53,967
Score: 71.2
Winter Weather
$20,353
Score: 74.9
Tornado
$19,047
Score: 19.5
Strong Wind
$14,122
Score: 27.3
Drought
$710
Score: 18.3
Landslide
$595
Score: 58.7
Volcanic Activity
$0
Score: 15.5
Cold Wave
$0
Score: 0.8

Recommended Mitigation Strategies

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

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 76.4
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 98.5
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.8

Methodology and Sources

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

Nearby Locations

Zip Code 86324Zip Code 86326Zip Code 86315Zip Code 86333Zip Code 86329Zip Code 86322