Climate Risk Summary

Rutland, MA Risk Profile

The primary drivers of climate-related financial risk in Rutland, MA are Inland Flooding, Hurricane, and Cold Wave. This area also faces an unusually high intensity for Drought and Landslide compared to national averages.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$233,007

Expected Annual Loss for Rutland

8.7Score

Very Low compared to US average

Rutland

Minimal Estimated LossMax Estimated Loss

Hurricane

$128,477

Expected Annual Loss for Rutland

78.8Score

Relatively Moderate compared to US average

Rutland

Minimal Estimated LossMax Estimated Loss

Cold Wave

$54,262

Expected Annual Loss for Rutland

47.7Score

Relatively Moderate compared to US average

Rutland

Minimal Estimated LossMax Estimated Loss

City Boundary

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$233,007

Score: 8.7

MAJOR DRIVER

Hurricane

$128,477

Score: 78.8

MAJOR DRIVER

Cold Wave

$54,262

Score: 47.7

Tornado

$25,671

Score: 32.6

Strong Wind

$24,380

Score: 56.2

Earthquake

$21,075

Score: 38.7

UNUSUALLY HIGH

Drought

$20,695

Score: 90.1

Ice Storm

$15,710

Score: 76.4

Heat Wave

$13,657

Score: 15.9

Lightning

$8,214

Score: 36.3

Hail

$4,848

Score: 40.8

Winter Weather

$530

Score: 23.6

UNUSUALLY HIGH

Landslide

$246

Score: 85.4

Wildfire

$215

Score: 47.2

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: 78.8

💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 56.2

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.1

❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 76.4

⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 85.4

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

FEMA National Risk IndexHazard frequency and loss data (v1.20.0 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

Barre Fitchburg Gardner Leominster North Brookfield

Zip Codes in Rutland

01543