Climate Risk Summary

Zip Code 85344, Risk Profile

The primary drivers of climate-related financial risk in Cienega Springs, AZ (85344) are Inland Flooding, Heat Wave, and Drought.

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

$14,108,087

Expected Annual Loss for Zip Code 85344

73.6Score

Very High compared to US average

85344
Minimal Estimated LossMax Estimated Loss

Heat Wave

$1,054,865

Expected Annual Loss for Zip Code 85344

91.0Score

Very High compared to US average

85344
Minimal Estimated LossMax Estimated Loss

Drought

$350,245

Expected Annual Loss for Zip Code 85344

42.5Score

Relatively High compared to US average

85344
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
$14,108,087
Score: 73.6
MAJOR DRIVER
Heat Wave
$1,054,865
Score: 91.0
MAJOR DRIVER
Drought
$350,245
Score: 42.5
Earthquake
$335,747
Score: 71.7
Wildfire
$63,293
Score: 79.8
Strong Wind
$49,329
Score: 50.9
Lightning
$6,566
Score: 15.6
Hail
$5,990
Score: 29.5
Tornado
$4,210
Score: 3.7
Hurricane
$1,622
Score: 24.7
Landslide
$845
Score: 53.2
Winter Weather
$8
Score: 5.5
Volcanic Activity
$2
Score: 59.5

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: 73.6
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 91.0
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 42.5

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

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

Nearby Locations

Zip Code 85371Zip Code 85325Zip Code 92242Zip Code 92267Zip Code 85346Zip Code 92225
85344 Climate Risk Report | Cienega Springs, AZ