Climate Risk Summary

Zip Code 86301, Risk Profile

The primary drivers of climate-related financial risk in Prescott, AZ (86301) 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

$5,739,653

Expected Annual Loss for Zip Code 86301

56.8Score

Relatively High compared to US average

86301
Minimal Estimated LossMax Estimated Loss

Wildfire

$2,065,733

Expected Annual Loss for Zip Code 86301

94.6Score

Very High compared to US average

86301
Minimal Estimated LossMax Estimated Loss

Lightning

$333,933

Expected Annual Loss for Zip Code 86301

86.3Score

Very High compared to US average

86301
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
$5,739,653
Score: 56.8
MAJOR DRIVER
Wildfire
$2,065,733
Score: 94.6
MAJOR DRIVER
Lightning
$333,933
Score: 86.3
Earthquake
$294,320
Score: 50.5
Hail
$153,477
Score: 68.0
Winter Weather
$70,656
Score: 79.1
Heat Wave
$59,509
Score: 12.2
Tornado
$51,412
Score: 17.2
Strong Wind
$42,688
Score: 26.8
Landslide
$32
Score: 38.1

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: 56.8
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 94.6
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.3

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 86305Zip Code 86314Zip Code 86303Zip Code 86313Zip Code 86315Zip Code 86323
86301 Climate Risk Report | Prescott, AZ