Climate Risk Summary

Zip Code 60491, Risk Profile

The primary drivers of climate-related financial risk in Homer Glen, IL (60491) 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

$8,982,933

Expected Annual Loss for Zip Code 60491

71.0Score

Relatively High compared to US average

60491
Minimal Estimated LossMax Estimated Loss

Cold Wave

$3,059,605

Expected Annual Loss for Zip Code 60491

90.9Score

Relatively High compared to US average

60491
Minimal Estimated LossMax Estimated Loss

Tornado

$2,725,250

Expected Annual Loss for Zip Code 60491

84.7Score

Very High compared to US average

60491
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
$8,982,933
Score: 71.0
MAJOR DRIVER
Cold Wave
$3,059,605
Score: 90.9
MAJOR DRIVER
Tornado
$2,725,250
Score: 84.7
Heat Wave
$358,685
Score: 51.2
Earthquake
$288,577
Score: 50.9
Lightning
$64,023
Score: 36.8
Strong Wind
$31,743
Score: 18.8
Winter Weather
$26,607
Score: 53.3
Ice Storm
$23,579
Score: 33.8
Hail
$22,828
Score: 33.2
Wildfire
$9,084
Score: 45.2
Drought
$2,611
Score: 74.5
Hurricane
$590
Score: 17.9
Landslide
$159
Score: 62.3

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: 71.0
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.9
🌪️High Investment

Tornado Mitigation

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

Risk Score: 84.7

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

Nearby Locations

Zip Code 60441Zip Code 60439Zip Code 60448Zip Code 60467Zip Code 60451Zip Code 60432