Climate Risk Summary

Oxford, MA Risk Profile

The primary drivers of climate-related financial risk in Oxford, MA are Inland Flooding, Hurricane, and Cold Wave. This area also faces an unusually high intensity for Ice Storm and Landslide compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Oxford.

Primary Risks

Inland Flooding

$687,002

Expected Annual Loss for Oxford

56.2Score

Relatively Moderate compared to US average

Oxford

Minimal Estimated LossMax Estimated Loss

Hurricane

$276,523

Expected Annual Loss for Oxford

85.5Score

Relatively Moderate compared to US average

Oxford

Minimal Estimated LossMax Estimated Loss

Cold Wave

$60,296

Expected Annual Loss for Oxford

53.3Score

Relatively Moderate compared to US average

Oxford

Minimal Estimated LossMax Estimated Loss

City Boundary

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$687,002

Score: 56.2

MAJOR DRIVER

Hurricane

$276,523

Score: 85.5

MAJOR DRIVER

Cold Wave

$60,296

Score: 53.3

Tornado

$32,818

Score: 38.3

Strong Wind

$30,661

Score: 66.3

UNUSUALLY HIGH

Ice Storm

$25,959

Score: 87.3

Heat Wave

$26,639

Score: 36.4

Earthquake

$23,720

Score: 43.8

Lightning

$13,239

Score: 52.9

Hail

$6,093

Score: 46.9

Winter Weather

$786

Score: 28.6

UNUSUALLY HIGH

Landslide

$404

Score: 83.6

Wildfire

$331

Score: 49.1

Drought

$240

Score: 28.5

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: 56.2

🌀High Investment

Hurricane Mitigation

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

Risk Score: 85.5

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 53.3

💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 66.3

❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 87.3

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 52.9

⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 83.6

Sources and Methodology

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 Cities

North Grosvenor Dale Quinebaug East Douglas Southbridge Town Spencer

Zip Codes in Oxford

01540