Climate Risk Summary

Zip Code 70767, Risk Profile

The primary drivers of climate-related financial risk in Erwinville, LA (70767) are Hurricane, Tornado, and Cold Wave. This area also faces an unusually high intensity for Heat Wave and Lightning 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

Hurricane

$2,130,649

Expected Annual Loss for Zip Code 70767

90.7Score

Relatively High compared to US average

70767
Minimal Estimated LossMax Estimated Loss

Tornado

$1,774,624

Expected Annual Loss for Zip Code 70767

93.2Score

Very High compared to US average

70767
Minimal Estimated LossMax Estimated Loss

Cold Wave

$1,623,743

Expected Annual Loss for Zip Code 70767

93.4Score

Very High compared to US average

70767
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$2,130,649
Score: 90.7
MAJOR DRIVER
Tornado
$1,774,624
Score: 93.2
MAJOR DRIVER
Cold Wave
$1,623,743
Score: 93.4
Inland Flooding
$1,352,561
Score: 25.2
Drought
$720,945
Score: 70.8
UNUSUALLY HIGH
Heat Wave
$442,662
Score: 81.3
Strong Wind
$205,584
Score: 79.9
UNUSUALLY HIGH
Lightning
$129,360
Score: 82.4
Earthquake
$77,586
Score: 40.4
Ice Storm
$33,268
Score: 65.1
Hail
$28,639
Score: 50.6
Winter Weather
$3,862
Score: 32.2
Wildfire
$799
Score: 46.6
Landslide
$16
Score: 47.9
Coastal Flooding
$0
Score: 3.4

Recommended Mitigation Strategies

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

🌀High Investment

Hurricane Mitigation

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

Risk Score: 90.7
🌪️High Investment

Tornado Mitigation

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

Risk Score: 93.2
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 93.4
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 81.3
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.4

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 70807Zip Code 70719Zip Code 70729Zip Code 70740Zip Code 70772Zip Code 70791