Climate Risk Summary

Zip Code 83464, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, ID (83464) are Inland Flooding, Wildfire, and Lightning. This area also faces an unusually high intensity for 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

$1,010,154

Expected Annual Loss for Zip Code 83464

99.1Score

Very High compared to US average

83464
Minimal Estimated LossMax Estimated Loss

Wildfire

$165,964

Expected Annual Loss for Zip Code 83464

98.4Score

Relatively High compared to US average

83464
Minimal Estimated LossMax Estimated Loss

Lightning

$60,713

Expected Annual Loss for Zip Code 83464

99.8Score

Very High compared to US average

83464 (OUTLIER)
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
$1,010,154
Score: 99.1
MAJOR DRIVER
Wildfire
$165,964
Score: 98.4
MAJOR DRIVER
Lightning
$60,713
Score: 99.8
Earthquake
$46,700
Score: 79.5
Cold Wave
$43,428
Score: 79.3
UNUSUALLY HIGH
Landslide
$21,616
Score: 99.5
Strong Wind
$2,932
Score: 39.5
Heat Wave
$2,459
Score: 12.4
Winter Weather
$1,792
Score: 73.8
Hail
$1,038
Score: 40.2
Tornado
$738
Score: 6.6
Avalanche
$424
Score: 51.8
Ice Storm
$341
Score: 17.8
Drought
$111
Score: 76.7
Volcanic Activity
$0
Score: 40.7

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: 99.1
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 98.4
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.8
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 99.5

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 59724Zip Code 83226Zip Code 59725Zip Code 83244Zip Code 83253Zip Code 83423