Climate Risk Summary

Palmer Town, MA Risk Profile

The primary drivers of climate-related financial risk in Palmer Town, MA are Inland Flooding, Hurricane, and Cold Wave.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Palmer Town.

Primary Risks

Inland Flooding

$2,186,077

Expected Annual Loss for Palmer Town

49.9Score

Relatively Moderate compared to US average

Palmer Town
Minimal Estimated LossMax Estimated Loss

Hurricane

$429,413

Expected Annual Loss for Palmer Town

78.6Score

Relatively Moderate compared to US average

Palmer Town
Minimal Estimated LossMax Estimated Loss

Cold Wave

$111,396

Expected Annual Loss for Palmer Town

38.4Score

Relatively Low compared to US average

Palmer Town
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$2,186,077
Score: 49.9
MAJOR DRIVER
Hurricane
$429,413
Score: 78.6
MAJOR DRIVER
Cold Wave
$111,396
Score: 38.4
Tornado
$103,298
Score: 36.1
Earthquake
$69,398
Score: 39.5
Heat Wave
$66,945
Score: 26.5
Ice Storm
$57,273
Score: 78.2
Strong Wind
$46,138
Score: 42.1
Hail
$22,022
Score: 47.0
Lightning
$11,742
Score: 19.7
Winter Weather
$6,057
Score: 40.7
Wildfire
$1,768
Score: 57.4
Landslide
$255
Score: 75.2
Drought
$219
Score: 15.8

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🌀High Investment

Hurricane Mitigation

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

Risk Score: 78.6
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 78.2
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 57.4
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 75.2

Sources and Methodology

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

Nearby Cities

Amherst TownBelchertownFiskdaleHollandSpringfield

Zip Codes in Palmer Town

010090105701069010790108001095