Climate Risk Summary

Zip Code 70770, Risk Profile

The primary drivers of climate-related financial risk in Central, LA (70770) are Inland Flooding, Tornado, and Hurricane. This area also faces an unusually high intensity for Cold Wave, Heat Wave, Lightning, and Landslide 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

$418,558

Expected Annual Loss for Zip Code 70770

95.5Score

Relatively High compared to US average

70770
Minimal Estimated LossMax Estimated Loss

Tornado

$154,014

Expected Annual Loss for Zip Code 70770

98.7Score

Very High compared to US average

70770
Minimal Estimated LossMax Estimated Loss

Hurricane

$112,852

Expected Annual Loss for Zip Code 70770

91.5Score

Relatively High compared to US average

70770
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
$418,558
Score: 95.5
MAJOR DRIVER
Tornado
$154,014
Score: 98.7
MAJOR DRIVER
Hurricane
$112,852
Score: 91.5
UNUSUALLY HIGH
Cold Wave
$66,887
Score: 91.7
UNUSUALLY HIGH
Heat Wave
$36,294
Score: 90.6
UNUSUALLY HIGH
Lightning
$7,650
Score: 87.5
Hail
$4,697
Score: 72.4
Earthquake
$3,545
Score: 39.3
Strong Wind
$3,043
Score: 48.6
Ice Storm
$2,365
Score: 74.5
Wildfire
$336
Score: 72.0
Winter Weather
$206
Score: 33.1
Drought
$196
Score: 79.4
UNUSUALLY HIGH
Landslide
$30
Score: 83.7

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: 95.5
🌪️High Investment

Tornado Mitigation

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

Risk Score: 98.7
🌀High Investment

Hurricane Mitigation

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

Risk Score: 91.5
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.7
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 90.6
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 87.5
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 83.7

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 70791Zip Code 70739Zip Code 70706Zip Code 70777Zip Code 70818Zip Code 70786