Climate Risk Summary

Hazard, KY Risk Profile

The primary drivers of climate-related financial risk in Hazard, KY are Inland Flooding, Cold Wave, and Tornado. This area also faces an unusually high intensity for Strong Wind and Landslide compared to national averages.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$4,046,353

Expected Annual Loss for Hazard

98.4Score

Very High compared to US average

Hazard
Minimal Estimated LossMax Estimated Loss

Cold Wave

$102,284

Expected Annual Loss for Hazard

62.5Score

Relatively Moderate compared to US average

Hazard
Minimal Estimated LossMax Estimated Loss

Tornado

$70,410

Expected Annual Loss for Hazard

47.9Score

Relatively Low compared to US average

Hazard
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$4,046,353
Score: 98.4
MAJOR DRIVER
Cold Wave
$102,284
Score: 62.5
MAJOR DRIVER
Tornado
$70,410
Score: 47.9
UNUSUALLY HIGH
Strong Wind
$65,916
Score: 80.1
Earthquake
$34,607
Score: 47.3
Hail
$30,430
Score: 72.0
Heat Wave
$23,324
Score: 27.1
Lightning
$21,508
Score: 63.1
Winter Weather
$11,370
Score: 80.0
Hurricane
$4,885
Score: 45.3
Wildfire
$1,760
Score: 19.8
Avalanche
$960
Score: 42.3
Ice Storm
$624
Score: 5.6
UNUSUALLY HIGH
Landslide
$596
Score: 85.5

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: 98.4
🏠Low Investment

Cold Wave 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: 80.1
🧊Medium Investment

Hail Mitigation

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

Risk Score: 72.0
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 63.1
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.0
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 85.5

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

AgesCumberlandJacksonMcRobertsPrestonsburg

Zip Codes in Hazard

41701