Climate Risk Summary

Zip Code 02668, Risk Profile

The primary drivers of climate-related financial risk in Barnstable Town, MA (02668) are Coastal Flooding, Inland Flooding, and Hurricane.

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

Coastal Flooding

$607,840

Expected Annual Loss for Zip Code 02668

52.0Score

Very High compared to US average

02668
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$466,994

Expected Annual Loss for Zip Code 02668

43.4Score

Relatively Moderate compared to US average

02668
Minimal Estimated LossMax Estimated Loss

Hurricane

$190,859

Expected Annual Loss for Zip Code 02668

84.0Score

Relatively Moderate compared to US average

02668
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Coastal Flooding
$607,840
Score: 52.0
MAJOR DRIVER
Inland Flooding
$466,994
Score: 43.4
MAJOR DRIVER
Hurricane
$190,859
Score: 84.0
Tornado
$17,980
Score: 32.0
Lightning
$12,284
Score: 56.6
Earthquake
$12,169
Score: 33.4
Strong Wind
$11,555
Score: 43.9
Hail
$7,997
Score: 54.8
Cold Wave
$5,186
Score: 21.4
Heat Wave
$2,654
Score: 4.0
Ice Storm
$1,189
Score: 18.7
Wildfire
$1,128
Score: 65.1
Drought
$425
Score: 76.1
Winter Weather
$249
Score: 20.4
Landslide
$43
Score: 72.0

Recommended Mitigation Strategies

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

🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 52.0
💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 43.4
🌀High Investment

Hurricane Mitigation

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

Risk Score: 84.0

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 02630Zip Code 02632Zip Code 02648Zip Code 02601Zip Code 02537Zip Code 02655