Climate Risk Summary

Rensselaer, NY Risk Profile

The primary drivers of climate-related financial risk in Rensselaer, NY are Inland Flooding, Tornado, and Hail.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$1,834,996

Expected Annual Loss for Rensselaer

31.6Score

Relatively High compared to US average

Rensselaer

Minimal Estimated LossMax Estimated Loss

Tornado

$196,741

Expected Annual Loss for Rensselaer

49.2Score

Relatively Moderate compared to US average

Rensselaer

Minimal Estimated LossMax Estimated Loss

Hail

$153,621

Expected Annual Loss for Rensselaer

82.1Score

Relatively Moderate compared to US average

Rensselaer

Minimal Estimated LossMax Estimated Loss

City Boundary

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$1,834,996

Score: 31.6

MAJOR DRIVER

Tornado

$196,741

Score: 49.2

MAJOR DRIVER

Hail

$153,621

Score: 82.1

Hurricane

$81,779

Score: 59.4

Strong Wind

$73,737

Score: 58.5

Cold Wave

$57,043

Score: 29.4

Lightning

$43,549

Score: 54.5

Heat Wave

$33,787

Score: 13.9

Earthquake

$25,228

Score: 23.4

Ice Storm

$10,218

Score: 37.6

Winter Weather

$5,933

Score: 42.6

Wildfire

$278

Score: 36.8

Landslide

$32

Score: 61.8

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

🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 82.1

🌀High Investment

Hurricane Mitigation

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

Risk Score: 59.4

💨Low Investment

Strong Wind Mitigation

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

Risk Score: 58.5

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 54.5

⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 61.8

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 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

Albany East Greenbush Hampton Manor Loudonville Menands

Zip Codes in Rensselaer

12144