Climate Risk Summary

Mishawaka, IN Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$4,357,582

Expected Annual Loss for Mishawaka

32.5Score

Relatively Moderate compared to US average

Mishawaka
Minimal Estimated LossMax Estimated Loss

Cold Wave

$2,332,940

Expected Annual Loss for Mishawaka

84.3Score

Relatively High compared to US average

Mishawaka
Minimal Estimated LossMax Estimated Loss

Tornado

$1,073,866

Expected Annual Loss for Mishawaka

59.6Score

Relatively Moderate compared to US average

Mishawaka
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$4,357,582
Score: 32.5
MAJOR DRIVER
Cold Wave
$2,332,940
Score: 84.3
MAJOR DRIVER
Tornado
$1,073,866
Score: 59.6
Hail
$363,272
Score: 77.1
Strong Wind
$312,209
Score: 66.1
Heat Wave
$221,432
Score: 31.5
Earthquake
$191,586
Score: 37.1
Lightning
$110,057
Score: 47.8
Winter Weather
$37,171
Score: 57.9
Ice Storm
$25,900
Score: 32.8
Hurricane
$5,006
Score: 29.1
Wildfire
$692
Score: 32.9
Landslide
$69
Score: 42.5

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: 84.3
🌪️High Investment

Tornado Mitigation

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

Risk Score: 59.6
🧊Medium Investment

Hail Mitigation

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

Risk Score: 77.1
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 66.1
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 57.9

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

ElkhartGrangerNotre DameRoselandSouth Bend

Zip Codes in Mishawaka

46530465444654546561466134661446635