Climate Risk Summary

Carpentersville, IL Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Cold Wave

$2,816,348

Expected Annual Loss for Carpentersville

96.5Score

Very High compared to US average

Carpentersville
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$2,610,569

Expected Annual Loss for Carpentersville

44.7Score

Relatively High compared to US average

Carpentersville
Minimal Estimated LossMax Estimated Loss

Tornado

$1,804,230

Expected Annual Loss for Carpentersville

90.3Score

Very High compared to US average

Carpentersville
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Cold Wave
$2,816,348
Score: 96.5
MAJOR DRIVER
Inland Flooding
$2,610,569
Score: 44.7
MAJOR DRIVER
Tornado
$1,804,230
Score: 90.3
Heat Wave
$208,328
Score: 55.6
Earthquake
$128,962
Score: 47.2
Strong Wind
$76,020
Score: 49.9
Lightning
$67,378
Score: 57.8
Hail
$18,414
Score: 39.7
Winter Weather
$12,229
Score: 51.1
Ice Storm
$8,577
Score: 25.7
Drought
$2,153
Score: 55.6
Wildfire
$713
Score: 42.7
Hurricane
$214
Score: 16.4
Landslide
$143
Score: 61.9

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: 96.5
🌪️High Investment

Tornado Mitigation

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

Risk Score: 90.3
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 55.6
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 57.8
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 51.1
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 55.6
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 61.9

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

AlgonquinBarrington HillsEast DundeeElginGilberts

Zip Codes in Carpentersville

6011060118