Climate Risk Summary

Joliet, IL Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$34,581,111

Expected Annual Loss for Joliet

54.7Score

Very High compared to US average

Joliet
Minimal Estimated LossMax Estimated Loss

Cold Wave

$14,842,207

Expected Annual Loss for Joliet

91.1Score

Very High compared to US average

Joliet
Minimal Estimated LossMax Estimated Loss

Tornado

$11,139,127

Expected Annual Loss for Joliet

80.7Score

Very High compared to US average

Joliet
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$34,581,111
Score: 54.7
MAJOR DRIVER
Cold Wave
$14,842,207
Score: 91.1
MAJOR DRIVER
Tornado
$11,139,127
Score: 80.7
Heat Wave
$1,662,682
Score: 50.8
Earthquake
$1,218,271
Score: 45.0
Strong Wind
$249,527
Score: 21.2
Lightning
$300,317
Score: 37.1
Winter Weather
$117,058
Score: 52.0
Ice Storm
$92,530
Score: 29.2
Hail
$77,547
Score: 28.3
Drought
$6,316
Score: 36.2
Wildfire
$3,374
Score: 17.0
Hurricane
$1,816
Score: 16.0
Landslide
$267
Score: 41.2

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: 54.7
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.1
🌪️High Investment

Tornado Mitigation

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

Risk Score: 80.7
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 50.8
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 52.0

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

ChannahonCrest HillCrystal LawnsElwoodPlainfield

Zip Codes in Joliet

60403604046041060421604316043260433604356043660441604426044760451605446056060586