Climate Risk Summary

Homecroft, IN Risk Profile

The primary drivers of climate-related financial risk in Homecroft, IN are Inland Flooding, Tornado, and Cold Wave.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$183,109

Expected Annual Loss for Homecroft

31.2Score

Relatively Low compared to US average

Homecroft
Minimal Estimated LossMax Estimated Loss

Tornado

$40,926

Expected Annual Loss for Homecroft

57.0Score

Relatively Moderate compared to US average

Homecroft
Minimal Estimated LossMax Estimated Loss

Cold Wave

$30,204

Expected Annual Loss for Homecroft

56.9Score

Relatively Moderate compared to US average

Homecroft
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$183,109
Score: 31.2
MAJOR DRIVER
Tornado
$40,926
Score: 57.0
MAJOR DRIVER
Cold Wave
$30,204
Score: 56.9
Heat Wave
$21,864
Score: 57.8
Earthquake
$15,814
Score: 53.4
Strong Wind
$7,051
Score: 47.9
Lightning
$2,656
Score: 31.7
Hail
$2,051
Score: 42.3
Winter Weather
$596
Score: 36.4
Ice Storm
$486
Score: 13.9
Hurricane
$12
Score: 14.6
Landslide
$1
Score: 44.5
Wildfire
$0
Score: 19.3

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

🌪️High Investment

Tornado Mitigation

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

Risk Score: 57.0
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 56.9
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 57.8
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 53.4

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

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

BargersvilleBeech GroveGreenwoodIndianapolis city (balance)New Whiteland

Zip Codes in Homecroft

46227