Climate Risk Summary

Zip Code 52627, Risk Profile

The primary drivers of climate-related financial risk in Fort Madison, IA (52627) are Inland Flooding, Tornado, and Heat Wave. This area also faces an unusually high intensity for Strong Wind, Hail, Lightning, Drought, and 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

$5,697,172

Expected Annual Loss for Zip Code 52627

91.6Score

Very High compared to US average

52627
Minimal Estimated LossMax Estimated Loss

Tornado

$889,312

Expected Annual Loss for Zip Code 52627

83.5Score

Very High compared to US average

52627
Minimal Estimated LossMax Estimated Loss

Heat Wave

$723,544

Expected Annual Loss for Zip Code 52627

92.6Score

Relatively High compared to US average

52627
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
$5,697,172
Score: 91.6
MAJOR DRIVER
Tornado
$889,312
Score: 83.5
MAJOR DRIVER
Heat Wave
$723,544
Score: 92.6
UNUSUALLY HIGH
Strong Wind
$436,801
Score: 94.2
UNUSUALLY HIGH
Hail
$410,111
Score: 92.8
Earthquake
$158,968
Score: 55.2
Cold Wave
$153,199
Score: 50.3
UNUSUALLY HIGH
Lightning
$126,704
Score: 87.8
UNUSUALLY HIGH
Drought
$111,882
Score: 87.8
Ice Storm
$32,251
Score: 70.2
Winter Weather
$24,304
Score: 77.3
Wildfire
$5,875
Score: 69.9
UNUSUALLY HIGH
Landslide
$2,346
Score: 90.3
Hurricane
$1,038
Score: 26.6

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: 91.6
🌪️High Investment

Tornado Mitigation

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

Risk Score: 83.5
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 92.6
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 94.2
🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 92.8
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 87.8
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 87.8
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 90.3

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 62358Zip Code 52656Zip Code 62354Zip Code 52624Zip Code 52658Zip Code 52625