Climate Risk Summary

Zip Code 06334, Risk Profile

The primary drivers of climate-related financial risk in Norwich, CT (06334) 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

$1,204,158

Expected Annual Loss for Zip Code 06334

83.3Score

Relatively High compared to US average

06334
Minimal Estimated LossMax Estimated Loss

Hurricane

$346,565

Expected Annual Loss for Zip Code 06334

87.6Score

Relatively Moderate compared to US average

06334
Minimal Estimated LossMax Estimated Loss

Tornado

$31,533

Expected Annual Loss for Zip Code 06334

38.0Score

Relatively Low compared to US average

06334
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
$1,204,158
Score: 83.3
MAJOR DRIVER
Hurricane
$346,565
Score: 87.6
MAJOR DRIVER
Tornado
$31,533
Score: 38.0
Earthquake
$31,162
Score: 51.2
Heat Wave
$11,324
Score: 15.6
Strong Wind
$9,760
Score: 36.2
Ice Storm
$9,234
Score: 67.8
Cold Wave
$8,021
Score: 22.9
Lightning
$6,117
Score: 33.2
Hail
$3,254
Score: 37.0
Winter Weather
$2,079
Score: 45.6
UNUSUALLY HIGH
Landslide
$1,009
Score: 92.4
Wildfire
$655
Score: 62.9
Drought
$576
Score: 77.6

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: 83.3
🌀High Investment

Hurricane Mitigation

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

Risk Score: 87.6
🌪️High Investment

Tornado Mitigation

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

Risk Score: 38.0
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 92.4

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 06370Zip Code 06336Zip Code 06360Zip Code 06249Zip Code 06254Zip Code 06389