Climate Risk Summary

Zip Code 06415, Risk Profile

The primary drivers of climate-related financial risk in Colchester, CT (06415) are Inland Flooding, Hurricane, and Tornado. This area also faces an unusually high intensity for Landslide compared to national averages.

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

$2,455,085

Expected Annual Loss for Zip Code 06415

50.1Score

Relatively Moderate compared to US average

06415
Minimal Estimated LossMax Estimated Loss

Hurricane

$1,229,414

Expected Annual Loss for Zip Code 06415

86.7Score

Relatively Moderate compared to US average

06415
Minimal Estimated LossMax Estimated Loss

Tornado

$126,497

Expected Annual Loss for Zip Code 06415

38.1Score

Relatively Low compared to US average

06415
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
$2,455,085
Score: 50.1
MAJOR DRIVER
Hurricane
$1,229,414
Score: 86.7
MAJOR DRIVER
Tornado
$126,497
Score: 38.1
Earthquake
$111,537
Score: 46.5
Heat Wave
$71,394
Score: 26.8
Strong Wind
$58,474
Score: 46.4
Cold Wave
$52,859
Score: 26.5
Lightning
$44,333
Score: 49.3
Ice Storm
$37,343
Score: 68.2
Hail
$18,644
Score: 43.5
Winter Weather
$12,841
Score: 55.5
Wildfire
$6,066
Score: 68.2
Coastal Flooding
$2,260
Score: 2.7
UNUSUALLY HIGH
Landslide
$1,059
Score: 81.3

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: 50.1
🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 86.7
🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 38.1
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 81.3

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 06231Zip Code 06423Zip Code 06420Zip Code 06469Zip Code 06249Zip Code 06447