Climate Risk Summary

Deerfield, IL Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$8,561,265

Expected Annual Loss for Deerfield

86.2Score

Very High compared to US average

Deerfield
Minimal Estimated LossMax Estimated Loss

Tornado

$1,140,938

Expected Annual Loss for Deerfield

76.8Score

Relatively High compared to US average

Deerfield
Minimal Estimated LossMax Estimated Loss

Cold Wave

$1,017,018

Expected Annual Loss for Deerfield

82.0Score

Relatively High compared to US average

Deerfield
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$8,561,265
Score: 86.2
MAJOR DRIVER
Tornado
$1,140,938
Score: 76.8
MAJOR DRIVER
Cold Wave
$1,017,018
Score: 82.0
Earthquake
$235,872
Score: 59.1
Strong Wind
$180,951
Score: 70.1
Heat Wave
$118,323
Score: 32.5
Hail
$55,391
Score: 57.5
Lightning
$45,450
Score: 41.9
Ice Storm
$4,523
Score: 10.9
Winter Weather
$2,973
Score: 25.5
Wildfire
$346
Score: 29.2
Hurricane
$175
Score: 15.3
Landslide
$5
Score: 37.4
Drought
$4
Score: 17.1

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: 86.2
🌪️High Investment

Tornado Mitigation

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

Risk Score: 76.8
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.0
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 59.1
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 70.1
🧊Medium Investment

Hail Mitigation

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

Risk Score: 57.5

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

BannockburnHighland ParkHighwoodLake ForestLincolnshire

Zip Codes in Deerfield

6001560062