Climate Risk Summary

Pocatello, ID Risk Profile

The primary drivers of climate-related financial risk in Pocatello, ID are Cold Wave, Inland Flooding, and Wildfire. This area also faces an unusually high intensity for Winter Weather and Lightning compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Pocatello.

Primary Risks

Cold Wave

$4,144,914

Expected Annual Loss for Pocatello

89.6Score

Very High compared to US average

Pocatello
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$4,179,925

Expected Annual Loss for Pocatello

24.3Score

Relatively Moderate compared to US average

Pocatello
Minimal Estimated LossMax Estimated Loss

Wildfire

$2,013,259

Expected Annual Loss for Pocatello

70.2Score

Relatively High compared to US average

Pocatello
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Cold Wave
$4,144,914
Score: 89.6
MAJOR DRIVER
Inland Flooding
$4,179,925
Score: 24.3
MAJOR DRIVER
Wildfire
$2,013,259
Score: 70.2
Earthquake
$1,796,600
Score: 70.3
Heat Wave
$918,642
Score: 68.7
UNUSUALLY HIGH
Winter Weather
$469,491
Score: 96.5
UNUSUALLY HIGH
Lightning
$444,759
Score: 82.2
Hail
$123,986
Score: 54.3
Tornado
$102,712
Score: 18.4
Strong Wind
$69,194
Score: 25.0
Ice Storm
$11,189
Score: 12.1
Volcanic Activity
$55
Score: 79.4
Landslide
$30
Score: 22.3
Drought
$5
Score: 42.9

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

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.6
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 70.2
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 70.3
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 68.7
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 96.5
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.2
🧊Medium Investment

Hail Mitigation

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

Risk Score: 54.3
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 79.4

Sources and Methodology

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 Cities

AberdeenAmerican FallsBlackfootChubbuckFort Hall

Zip Codes in Pocatello

83201832028320483209