Climate Risk Summary

Zip Code 41522, Risk Profile

The primary drivers of climate-related financial risk in Elkhorn City, KY (41522) are Inland Flooding, Wildfire, and Landslide.

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

$3,594,235

Expected Annual Loss for Zip Code 41522

95.2Score

Very High compared to US average

41522
Minimal Estimated LossMax Estimated Loss

Wildfire

$74,785

Expected Annual Loss for Zip Code 41522

91.2Score

Relatively Moderate compared to US average

41522
Minimal Estimated LossMax Estimated Loss

Landslide

$67,356

Expected Annual Loss for Zip Code 41522

99.2Score

Relatively High compared to US average

41522
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
$3,594,235
Score: 95.2
MAJOR DRIVER
Wildfire
$74,785
Score: 91.2
MAJOR DRIVER
Landslide
$67,356
Score: 99.2
Strong Wind
$55,638
Score: 70.7
Cold Wave
$48,803
Score: 38.8
Heat Wave
$45,701
Score: 40.6
Earthquake
$27,350
Score: 37.7
Avalanche
$25,699
Score: 68.2
Hail
$16,603
Score: 56.7
Winter Weather
$13,957
Score: 79.0
Tornado
$11,380
Score: 17.6
Lightning
$8,967
Score: 31.3
Hurricane
$4,647
Score: 42.7
Ice Storm
$2,435
Score: 21.3

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: 95.2
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 91.2
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 99.2

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

Nearby Locations

Zip Code 41513Zip Code 41559Zip Code 41501Zip Code 24256Zip Code 24228Zip Code 41512
41522 Climate Risk Report | Elkhorn City, KY