Climate Risk Summary

Zip Code 70803, Risk Profile

The primary drivers of climate-related financial risk in Baton Rouge, LA (70803) are Inland Flooding, Hurricane, and Tornado. This area also faces an unusually high intensity for Cold Wave, Heat Wave, and Coastal Flooding compared to national averages.

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

$3,890,225

Expected Annual Loss for Zip Code 70803

50.8Score

Relatively High compared to US average

70803
Minimal Estimated LossMax Estimated Loss

Hurricane

$3,524,419

Expected Annual Loss for Zip Code 70803

89.7Score

Very High compared to US average

70803
Minimal Estimated LossMax Estimated Loss

Tornado

$2,654,384

Expected Annual Loss for Zip Code 70803

91.4Score

Very High compared to US average

70803
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
$3,890,225
Score: 50.8
MAJOR DRIVER
Hurricane
$3,524,419
Score: 89.7
MAJOR DRIVER
Tornado
$2,654,384
Score: 91.4
UNUSUALLY HIGH
Cold Wave
$1,276,073
Score: 83.3
UNUSUALLY HIGH
Heat Wave
$689,774
Score: 81.0
Lightning
$159,537
Score: 75.7
Drought
$148,960
Score: 66.4
Hail
$112,933
Score: 63.9
Earthquake
$88,278
Score: 27.1
UNUSUALLY HIGH
Coastal Flooding
$74,600
Score: 83.1
Strong Wind
$54,520
Score: 34.2
Ice Storm
$45,589
Score: 59.2
Winter Weather
$5,230
Score: 30.0
Wildfire
$713
Score: 40.5
Landslide
$103
Score: 59.7

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: 50.8
🌀High Investment

Hurricane Mitigation

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

Risk Score: 89.7
🌪️High Investment

Tornado Mitigation

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

Risk Score: 91.4
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 83.3
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 81.0
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 83.1

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

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

Nearby Locations

Zip Code 70802Zip Code 70808Zip Code 70820Zip Code 70767Zip Code 70806Zip Code 70801