Climate Risk Summary

Cannelton, IN Risk Profile

The primary drivers of climate-related financial risk in Cannelton, IN are Avalanche, Coastal Flooding, and Cold Wave.

City Risk Scorecard

Physical Resilience43/100

Based on FEMA EAL and hazard intensity.

Insurance Stability

Market Stable

Metrics indicate a balanced risk-to-premium environment with standard renewal rates.

Primary Risks

Avalanche

Expected Annual Loss for Cannelton

0.0Score

No Data compared to US average

Cannelton

Minimal Estimated LossMax Estimated Loss

Coastal Flooding

Expected Annual Loss for Cannelton

0.0Score

No Data compared to US average

Cannelton

Minimal Estimated LossMax Estimated Loss

Cold Wave

$17,545

Expected Annual Loss for Cannelton

0.0Score

Relatively Moderate compared to US average

Cannelton

Minimal Estimated LossMax Estimated Loss

Spatial Analysis

FEMA Flood Zones

NRI Risk Index:

FEMA Flood Zones

FloodwayHighest Risk / Active Channel

High Risk (100-Year)1% Annual Chance Flood

Moderate Risk (500-Year)0.2% Annual Chance Flood

NRI Risk Index

Very Low

Low

Moderate

High

Very High

Extreme

Flood Plain Analysis

Localized Flood Dynamics in Cannelton

FEMA Flood Maps for Cannelton identify the "100-year" and "500-year" floodplains (1% and 0.2% annual chance), but modern climate risk analysis suggests that nearly 25% of flood insurance claims originate from properties outside of these designated high-risk zones.

Use the map above to better understand risk by looking at both the FEMA flood plain maps and FEMA Risk Inventory maps by census tract. Standard FEMA maps may not account for 'flash flooding' from intense rain events.

FEMA Designation vs. Reality

No Data

Relative Vulnerability

Annualized Property Exposure

Financial Risk Inventory

MAJOR DRIVER

Cold Wave

$17,545

Score: -

Drought

$1,176

Score: -

Earthquake

$63,207

Score: -

Hail

$35,193

Score: -

Heat Wave

$15,065

Score: -

Hurricane

$298

Score: -

Ice Storm

$20,295

Score: -

Inland Flooding

$437,414

Score: -

Landslide

$33

Score: -

Lightning

$3,876

Score: -

Strong Wind

$41,648

Score: -

Tornado

$54,049

Score: -

Wildfire

$283

Score: -

Winter Weather

$2,509

Score: -

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

Sources and Methodology

Spatial Climate Risk Modeling

The Expected Annual Loss (EAL) and hazard risk scores are derived from the FEMA NRI zip code dataset using a population-weighted spatial join. Because Zip Codes and Census Tracts do not share perfectly aligned boundaries, we utilize US Census Block Group population centroids to identify where residents actually live.

Financial & Insurance Metrics

The pysical resilence score is calculated by synthesizing Expected Annual Loss (EAL) against the total building replacement value within a jurisdiction. This creates a "Loss Ratio" that measures physical resilience. We supplement this with ZIP-code level data from the U.S. Treasury's Federal Insurance Office (FIO), monitoring trends in premium growth, loss ratios, and policy non-renewals to identify emerging "Insurance Deserts."

Primary Data Sources

FEMA National Flood Hazard LayerHigh-resolution vector data for 100-year and 500-year flood zones.
U.S. Department of the TreasuryFIO ZIP-code level insurance data (2018–2022 Historical Set).
FEMA National Risk IndexBaseline hazard frequency and economic loss data (v1.20.0).
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population Statistics.

Nearby Cities

Dale Huntingburg Santa Claus Tell City Cloverport

Zip Codes in Cannelton

47520 47586