Climate Risk Summary

Zip Code 06375, Risk Profile

The primary drivers of climate-related financial risk in New London, CT (06375) are Inland Flooding, Hurricane, and Earthquake. This area also faces an unusually high intensity for Coastal Flooding 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

$608,820

Expected Annual Loss for Zip Code 06375

43.3Score

Relatively Low compared to US average

06375
Minimal Estimated LossMax Estimated Loss

Hurricane

$179,014

Expected Annual Loss for Zip Code 06375

81.4Score

Relatively Moderate compared to US average

06375
Minimal Estimated LossMax Estimated Loss

Earthquake

$19,491

Expected Annual Loss for Zip Code 06375

37.0Score

Very Low compared to US average

06375
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
$608,820
Score: 43.3
MAJOR DRIVER
Hurricane
$179,014
Score: 81.4
MAJOR DRIVER
Earthquake
$19,491
Score: 37.0
UNUSUALLY HIGH
Coastal Flooding
$14,487
Score: 87.5
Tornado
$8,912
Score: 18.5
Heat Wave
$7,727
Score: 8.0
Lightning
$6,711
Score: 31.1
Strong Wind
$5,827
Score: 22.7
Cold Wave
$5,785
Score: 20.6
Winter Weather
$1,712
Score: 38.2
Ice Storm
$1,686
Score: 19.5
Hail
$1,643
Score: 25.6
Landslide
$91
Score: 79.2
Wildfire
$85
Score: 36.2

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: 43.3
🌀High Investment

Hurricane Mitigation

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

Risk Score: 81.4
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 37.0
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 87.5

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 06385Zip Code 06382Zip Code 06320Zip Code 06340Zip Code 06335Zip Code 06370