Climate Risk Summary

Zip Code 83552, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, ID (83552) are Wildfire, Inland Flooding, and Avalanche. This area also faces an unusually high intensity for Lightning, Landslide, and 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

Wildfire

$471,973

Expected Annual Loss for Zip Code 83552

99.5Score

Very High compared to US average

83552 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$321,372

Expected Annual Loss for Zip Code 83552

86.2Score

Relatively High compared to US average

83552
Minimal Estimated LossMax Estimated Loss

Avalanche

$228,334

Expected Annual Loss for Zip Code 83552

79.9Score

Relatively Moderate compared to US average

83552
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Wildfire
$471,973
Score: 99.5
MAJOR DRIVER
Inland Flooding
$321,372
Score: 86.2
MAJOR DRIVER
Avalanche
$228,334
Score: 79.9
Heat Wave
$11,652
Score: 58.1
Earthquake
$9,660
Score: 56.7
UNUSUALLY HIGH
Lightning
$7,160
Score: 80.2
Cold Wave
$6,212
Score: 35.2
UNUSUALLY HIGH
Landslide
$3,755
Score: 98.3
UNUSUALLY HIGH
Winter Weather
$2,698
Score: 84.0
Strong Wind
$2,473
Score: 37.2
Tornado
$1,501
Score: 15.5
Hail
$1,477
Score: 47.6
Ice Storm
$315
Score: 17.8
Drought
$27
Score: 73.2

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🔥Low Investment

Wildfire Mitigation

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

Risk Score: 99.5
💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 86.2
🏠Low Investment

Avalanche Mitigation

General property maintenance and insurance review recommended.

Risk Score: 79.9
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.2
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 98.3
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 84.0

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

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

Nearby Locations

Zip Code 83530Zip Code 83539Zip Code 83536Zip Code 83533Zip Code 83554Zip Code 83543