Climate Risk Summary

Baker, LA Risk Profile

The primary drivers of climate-related financial risk in Baker, LA are Inland Flooding, Tornado, and Hurricane. This area also faces an unusually high intensity for Cold Wave and Heat Wave compared to national averages.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$2,844,199

Expected Annual Loss for Baker

82.4Score

Relatively High compared to US average

Baker
Minimal Estimated LossMax Estimated Loss

Tornado

$1,172,030

Expected Annual Loss for Baker

95.5Score

Very High compared to US average

Baker
Minimal Estimated LossMax Estimated Loss

Hurricane

$945,109

Expected Annual Loss for Baker

89.3Score

Relatively High compared to US average

Baker
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$2,844,199
Score: 82.4
MAJOR DRIVER
Tornado
$1,172,030
Score: 95.5
MAJOR DRIVER
Hurricane
$945,109
Score: 89.3
UNUSUALLY HIGH
Cold Wave
$495,694
Score: 85.2
UNUSUALLY HIGH
Heat Wave
$268,701
Score: 83.5
Lightning
$57,569
Score: 76.7
Hail
$40,775
Score: 68.0
Earthquake
$36,519
Score: 37.5
Strong Wind
$23,174
Score: 38.4
Ice Storm
$19,231
Score: 66.5
Winter Weather
$1,666
Score: 28.9
Drought
$549
Score: 6.7
Wildfire
$303
Score: 39.6
Landslide
$13
Score: 49.9

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: 82.4
🌪️High Investment

Tornado Mitigation

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

Risk Score: 95.5
🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 89.3
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.2
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 83.5
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 76.7
🧊Medium Investment

Hail Mitigation

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

Risk Score: 68.0
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 66.5

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

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

Nearby Cities

Baton RougeBrownfieldsCentralDenham SpringsMerrydale

Zip Codes in Baker

707147080770811