Climate Risk Summary

Zip Code 61604, Risk Profile

The primary drivers of climate-related financial risk in Peoria, IL (61604) are Cold Wave, Inland Flooding, and Tornado. This area also faces an unusually high intensity for Strong Wind, Hail, and Ice Storm 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

Cold Wave

$3,866,200

Expected Annual Loss for Zip Code 61604

97.2Score

Very High compared to US average

61604
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$3,533,871

Expected Annual Loss for Zip Code 61604

50.2Score

Relatively Moderate compared to US average

61604
Minimal Estimated LossMax Estimated Loss

Tornado

$1,618,802

Expected Annual Loss for Zip Code 61604

83.1Score

Relatively High compared to US average

61604
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Cold Wave
$3,866,200
Score: 97.2
MAJOR DRIVER
Inland Flooding
$3,533,871
Score: 50.2
MAJOR DRIVER
Tornado
$1,618,802
Score: 83.1
Heat Wave
$611,313
Score: 80.0
UNUSUALLY HIGH
Strong Wind
$415,969
Score: 85.7
UNUSUALLY HIGH
Hail
$318,526
Score: 84.0
Earthquake
$178,474
Score: 48.8
Lightning
$158,621
Score: 77.5
UNUSUALLY HIGH
Ice Storm
$102,736
Score: 81.7
Winter Weather
$42,731
Score: 75.2
Drought
$8,914
Score: 24.0
Landslide
$4,655
Score: 76.7
Hurricane
$1,272
Score: 24.4
Wildfire
$160
Score: 21.3

Recommended Mitigation Strategies

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: 97.2
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 50.2
🌪️High Investment

Tornado Mitigation

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

Risk Score: 83.1
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 85.7
🧊Medium Investment

Hail Mitigation

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

Risk Score: 84.0
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 81.7

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 61615Zip Code 61605Zip Code 61606Zip Code 61607Zip Code 61625Zip Code 61614