Climate Risk Summary

Zip Code 02108, Risk Profile

The primary drivers of climate-related financial risk in Boston, MA (02108) are Inland Flooding, Hurricane, and Earthquake.

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

$1,129,969

Expected Annual Loss for Zip Code 02108

38.2Score

Relatively Moderate compared to US average

02108
Minimal Estimated LossMax Estimated Loss

Hurricane

$403,762

Expected Annual Loss for Zip Code 02108

80.3Score

Relatively Moderate compared to US average

02108
Minimal Estimated LossMax Estimated Loss

Earthquake

$356,341

Expected Annual Loss for Zip Code 02108

76.4Score

Relatively Moderate compared to US average

02108
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
$1,129,969
Score: 38.2
MAJOR DRIVER
Hurricane
$403,762
Score: 80.3
MAJOR DRIVER
Earthquake
$356,341
Score: 76.4
Coastal Flooding
$89,686
Score: 36.6
Tornado
$74,341
Score: 34.4
Heat Wave
$74,204
Score: 42.5
Cold Wave
$68,261
Score: 38.7
Lightning
$27,018
Score: 47.8
Hail
$19,393
Score: 48.3
Strong Wind
$9,226
Score: 18.2
Ice Storm
$5,819
Score: 28.8
Winter Weather
$997
Score: 21.7
Wildfire
$8
Score: -
Landslide
$2
Score: 36.2

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: 38.2
🌀High Investment

Hurricane Mitigation

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

Risk Score: 80.3
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 76.4

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 02133Zip Code 02114Zip Code 02111Zip Code 02116Zip Code 02110Zip Code 02203