Climate Risk Summary

Zip Code 60431, Risk Profile

The primary drivers of climate-related financial risk in Joliet, IL (60431) 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

$4,707,396

Expected Annual Loss for Zip Code 60431

62.4Score

Relatively High compared to US average

60431

Minimal Estimated LossMax Estimated Loss

Cold Wave

$1,810,347

Expected Annual Loss for Zip Code 60431

90.1Score

Very High compared to US average

60431

Minimal Estimated LossMax Estimated Loss

Tornado

$1,541,351

Expected Annual Loss for Zip Code 60431

80.9Score

Very High compared to US average

60431

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

$4,707,396

Score: 62.4

MAJOR DRIVER

Cold Wave

$1,810,347

Score: 90.1

MAJOR DRIVER

Tornado

$1,541,351

Score: 80.9

Heat Wave

$213,901

Score: 49.8

Earthquake

$181,831

Score: 46.0

Lightning

$38,468

Score: 36.4

Strong Wind

$17,682

Score: 18.5

Winter Weather

$15,314

Score: 51.7

Ice Storm

$13,120

Score: 30.9

Hail

$11,823

Score: 30.6

Wildfire

$1,389

Score: 30.9

Drought

$296

Score: 70.9

Hurricane

$284

Score: 16.8

Landslide

$61

Score: 48.2

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: 62.4

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.1

🌪️High Investment

Tornado Mitigation

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

Risk Score: 80.9

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 60404 Zip Code 60586 Zip Code 60435 Zip Code 60436 Zip Code 60447 Zip Code 60410