Climate Risk Summary

Zip Code 60564, Risk Profile

The primary drivers of climate-related financial risk in Naperville, IL (60564) are Inland Flooding, Cold Wave, and Tornado.

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

$16,080,948

Expected Annual Loss for Zip Code 60564

80.0Score

Very High compared to US average

60564
Minimal Estimated LossMax Estimated Loss

Cold Wave

$4,440,064

Expected Annual Loss for Zip Code 60564

90.8Score

Very High compared to US average

60564
Minimal Estimated LossMax Estimated Loss

Tornado

$4,172,470

Expected Annual Loss for Zip Code 60564

85.8Score

Very High compared to US average

60564
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
$16,080,948
Score: 80.0
MAJOR DRIVER
Cold Wave
$4,440,064
Score: 90.8
MAJOR DRIVER
Tornado
$4,172,470
Score: 85.8
Heat Wave
$511,901
Score: 51.0
Earthquake
$454,892
Score: 53.8
Lightning
$101,955
Score: 40.7
Strong Wind
$93,084
Score: 26.7
Winter Weather
$38,089
Score: 53.7
Ice Storm
$35,902
Score: 35.9
Hail
$34,496
Score: 34.3
Wildfire
$1,456
Score: 30.6
Hurricane
$840
Score: 18.1
Drought
$446
Score: 49.4
Landslide
$50
Score: 48.6

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: 80.0
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.8
🌪️High Investment

Tornado Mitigation

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

Risk Score: 85.8

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

Nearby Locations

Zip Code 60504Zip Code 60585Zip Code 60565Zip Code 60503Zip Code 60490Zip Code 60540