Climate Risk Summary

Oakbrook Terrace, IL Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$506,465

Expected Annual Loss for Oakbrook Terrace

45.7Score

Relatively Moderate compared to US average

Oakbrook Terrace
Minimal Estimated LossMax Estimated Loss

Cold Wave

$278,049

Expected Annual Loss for Oakbrook Terrace

90.2Score

Relatively High compared to US average

Oakbrook Terrace
Minimal Estimated LossMax Estimated Loss

Tornado

$239,900

Expected Annual Loss for Oakbrook Terrace

83.4Score

Relatively High compared to US average

Oakbrook Terrace
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$506,465
Score: 45.7
MAJOR DRIVER
Cold Wave
$278,049
Score: 90.2
MAJOR DRIVER
Tornado
$239,900
Score: 83.4
Earthquake
$44,879
Score: 62.5
Strong Wind
$40,286
Score: 77.3
Heat Wave
$21,620
Score: 37.1
Lightning
$9,969
Score: 51.3
Winter Weather
$1,717
Score: 45.3
Ice Storm
$1,199
Score: 19.8
Hail
$1,230
Score: 26.0
Hurricane
$36
Score: 16.1
Wildfire
$9
Score: 14.2
Drought
$0
Score: 34.7
Landslide
$0
Score: 27.7

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: 90.2
🌪️High Investment

Tornado Mitigation

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

Risk Score: 83.4
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 62.5
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 77.3
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 51.3

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

Nearby Cities

Clarendon HillsDowners GroveElmhurstHinsdaleLombard

Zip Codes in Oakbrook Terrace

60126601486018160523