Climate Risk Summary

Zip Code 19703, Risk Profile

The primary drivers of climate-related financial risk in Claymont, DE (19703) are Inland Flooding, Cold Wave, and Heat Wave. This area also faces an unusually high intensity for Winter Weather 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

$1,731,724

Expected Annual Loss for Zip Code 19703

16.3Score

Relatively Low compared to US average

19703
Minimal Estimated LossMax Estimated Loss

Cold Wave

$307,066

Expected Annual Loss for Zip Code 19703

47.5Score

Relatively Moderate compared to US average

19703
Minimal Estimated LossMax Estimated Loss

Heat Wave

$206,900

Expected Annual Loss for Zip Code 19703

42.2Score

Relatively Moderate compared to US average

19703
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
$1,731,724
Score: 16.3
MAJOR DRIVER
Cold Wave
$307,066
Score: 47.5
MAJOR DRIVER
Heat Wave
$206,900
Score: 42.2
Tornado
$153,142
Score: 33.3
Earthquake
$138,865
Score: 41.0
Hurricane
$130,393
Score: 57.2
UNUSUALLY HIGH
Winter Weather
$66,657
Score: 80.4
Strong Wind
$41,990
Score: 27.3
Coastal Flooding
$26,576
Score: 21.8
Lightning
$23,944
Score: 22.0
Ice Storm
$20,527
Score: 37.5
Hail
$614
Score: 2.4
Wildfire
$99
Score: 19.8
Landslide
$18
Score: 43.9

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: 16.3
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 47.5
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 42.2
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.4

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 19061Zip Code 19810Zip Code 19809Zip Code 19060Zip Code 08067Zip Code 08085