Climate Risk Summary

Zip Code 60033, Risk Profile

The primary drivers of climate-related financial risk in Harvard, IL (60033) are Inland Flooding, Tornado, and Cold Wave. This area also faces an unusually high intensity for Drought 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

Inland Flooding

$2,244,260

Expected Annual Loss for Zip Code 60033

64.1Score

Relatively High compared to US average

60033

Minimal Estimated LossMax Estimated Loss

Tornado

$1,058,961

Expected Annual Loss for Zip Code 60033

89.4Score

Very High compared to US average

60033

Minimal Estimated LossMax Estimated Loss

Cold Wave

$1,025,959

Expected Annual Loss for Zip Code 60033

92.0Score

Relatively High compared to US average

60033

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

$2,244,260

Score: 64.1

MAJOR DRIVER

Tornado

$1,058,961

Score: 89.4

MAJOR DRIVER

Cold Wave

$1,025,959

Score: 92.0

Strong Wind

$121,089

Score: 75.3

UNUSUALLY HIGH

Drought

$116,487

Score: 90.7

Heat Wave

$80,568

Score: 40.2

Hail

$61,456

Score: 69.8

Earthquake

$58,195

Score: 41.7

Lightning

$37,981

Score: 55.1

Winter Weather

$13,723

Score: 65.4

Ice Storm

$7,704

Score: 35.0

Wildfire

$2,320

Score: 61.9

Hurricane

$339

Score: 20.1

Landslide

$324

Score: 69.3

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: 64.1

🌪️High Investment

Tornado Mitigation

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

Risk Score: 89.4

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.0

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.7

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 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 60098 Zip Code 60152 Zip Code 53184 Zip Code 53585 Zip Code 61038 Zip Code 61012