Climate Risk Summary

Zip Code 61050, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, IL (61050) are Cold Wave, Inland Flooding, and Tornado. This area also faces an unusually high intensity for Hail and Strong Wind 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

Cold Wave

$1,961,529

Expected Annual Loss for Zip Code 61050

96.1Score

Very High compared to US average

61050

Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,827,290

Expected Annual Loss for Zip Code 61050

41.8Score

Relatively High compared to US average

61050

Minimal Estimated LossMax Estimated Loss

Tornado

$1,004,118

Expected Annual Loss for Zip Code 61050

83.5Score

Relatively High compared to US average

61050

Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Cold Wave

$1,961,529

Score: 96.1

MAJOR DRIVER

Inland Flooding

$1,827,290

Score: 41.8

MAJOR DRIVER

Tornado

$1,004,118

Score: 83.5

UNUSUALLY HIGH

Hail

$606,069

Score: 94.6

UNUSUALLY HIGH

Strong Wind

$311,155

Score: 88.4

Heat Wave

$200,383

Score: 63.3

Lightning

$51,222

Score: 57.9

Earthquake

$34,880

Score: 27.7

Ice Storm

$30,760

Score: 66.1

Winter Weather

$14,053

Score: 60.8

Drought

$9,575

Score: 78.2

Landslide

$2,611

Score: 65.4

Wildfire

$1,850

Score: 52.4

Hurricane

$583

Score: 21.6

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 96.1

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 41.8

🌪️High Investment

Tornado Mitigation

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

Risk Score: 83.5

🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 94.6

💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 88.4

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 61032 Zip Code 61048 Zip Code 61060 Zip Code 61089 Zip Code 53566 Zip Code 53522