Climate Risk Summary

Zip Code 60504, Risk Profile

The primary drivers of climate-related financial risk in Aurora, IL (60504) are Inland Flooding, Cold Wave, and Tornado.

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

$5,334,406

Expected Annual Loss for Zip Code 60504

46.3Score

Relatively High compared to US average

60504
Minimal Estimated LossMax Estimated Loss

Cold Wave

$2,949,277

Expected Annual Loss for Zip Code 60504

90.6Score

Very High compared to US average

60504
Minimal Estimated LossMax Estimated Loss

Tornado

$2,476,465

Expected Annual Loss for Zip Code 60504

83.1Score

Very High compared to US average

60504
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
$5,334,406
Score: 46.3
MAJOR DRIVER
Cold Wave
$2,949,277
Score: 90.6
MAJOR DRIVER
Tornado
$2,476,465
Score: 83.1
Earthquake
$464,443
Score: 59.8
Strong Wind
$354,282
Score: 69.0
Heat Wave
$227,078
Score: 38.1
Lightning
$105,614
Score: 51.9
Winter Weather
$17,127
Score: 44.6
Hail
$14,224
Score: 27.4
Ice Storm
$13,950
Score: 22.4
Hurricane
$364
Score: 15.9
Wildfire
$233
Score: 16.6
Drought
$212
Score: 37.1
Landslide
$11
Score: 40.1

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: 46.3
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.6
🌪️High Investment

Tornado Mitigation

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

Risk Score: 83.1

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 60502Zip Code 60564Zip Code 60503Zip Code 60505Zip Code 60519Zip Code 60563