Climate Risk Summary

Zip Code 06498, Risk Profile

The primary drivers of climate-related financial risk in Westbrook Center, CT (06498) are Inland Flooding, Coastal Flooding, and Hurricane.

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

$1,383,342

Expected Annual Loss for Zip Code 06498

49.9Score

Relatively Moderate compared to US average

06498
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$524,877

Expected Annual Loss for Zip Code 06498

89.4Score

Relatively High compared to US average

06498
Minimal Estimated LossMax Estimated Loss

Hurricane

$279,482

Expected Annual Loss for Zip Code 06498

78.0Score

Relatively Moderate compared to US average

06498
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
$1,383,342
Score: 49.9
MAJOR DRIVER
Coastal Flooding
$524,877
Score: 89.4
MAJOR DRIVER
Hurricane
$279,482
Score: 78.0
Earthquake
$71,578
Score: 49.3
Tornado
$49,524
Score: 32.2
Strong Wind
$27,455
Score: 40.6
Lightning
$15,746
Score: 35.2
Cold Wave
$15,084
Score: 21.8
Ice Storm
$12,057
Score: 51.1
Heat Wave
$8,726
Score: 4.9
Winter Weather
$4,479
Score: 43.8
Hail
$1,177
Score: 13.8
Wildfire
$965
Score: 56.7
Landslide
$69
Score: 66.2

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: 49.9
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.4
🌀High Investment

Hurricane Mitigation

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

Risk Score: 78.0

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

Nearby Locations

Zip Code 06413Zip Code 06475Zip Code 06442Zip Code 06417Zip Code 06426Zip Code 06409
06498 Climate Risk Report | Westbrook Center, CT