Climate Risk Summary

Golf, IL Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$848,312

Expected Annual Loss for Golf

81.4Score

Relatively High compared to US average

Golf
Minimal Estimated LossMax Estimated Loss

Cold Wave

$166,345

Expected Annual Loss for Golf

85.1Score

Relatively High compared to US average

Golf
Minimal Estimated LossMax Estimated Loss

Tornado

$99,386

Expected Annual Loss for Golf

65.1Score

Relatively Moderate compared to US average

Golf
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$848,312
Score: 81.4
MAJOR DRIVER
Cold Wave
$166,345
Score: 85.1
MAJOR DRIVER
Tornado
$99,386
Score: 65.1
Heat Wave
$45,558
Score: 65.8
Earthquake
$17,475
Score: 44.7
Hail
$4,755
Score: 48.4
Strong Wind
$3,066
Score: 20.5
Winter Weather
$1,281
Score: 41.7
Lightning
$719
Score: 6.1
Ice Storm
$608
Score: 10.2
Hurricane
$25
Score: 15.3
Landslide
$0
Score: 23.6
Wildfire
$0
Score: 19.0

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: 81.4
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.1
🌪️High Investment

Tornado Mitigation

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

Risk Score: 65.1
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 65.8

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

ChicagoGlenviewMorton GroveNilesNorthfield

Zip Codes in Golf

6002560029