Climate Risk Summary

Zip Code 01966, Risk Profile

The primary drivers of climate-related financial risk in Rockport, MA (01966) 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

$979,901

Expected Annual Loss for Zip Code 01966

95.7Score

Very High compared to US average

01966

Minimal Estimated LossMax Estimated Loss

Inland Flooding

$475,710

Expected Annual Loss for Zip Code 01966

15.2Score

Relatively Low compared to US average

01966

Minimal Estimated LossMax Estimated Loss

Hurricane

$159,786

Expected Annual Loss for Zip Code 01966

74.7Score

Relatively Moderate compared to US average

01966

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

$979,901

Score: 95.7

MAJOR DRIVER

Inland Flooding

$475,710

Score: 15.2

MAJOR DRIVER

Hurricane

$159,786

Score: 74.7

Earthquake

$93,946

Score: 60.1

Tornado

$75,087

Score: 40.9

Heat Wave

$28,632

Score: 20.7

Cold Wave

$28,592

Score: 27.4

Ice Storm

$23,295

Score: 72.4

Strong Wind

$16,499

Score: 32.6

Lightning

$16,445

Score: 40.8

Wildfire

$2,316

Score: 64.6

Winter Weather

$510

Score: 20.0

Hail

$490

Score: 6.9

Landslide

$30

Score: 66.2

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: 95.7

💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 15.2

🌀High Investment

Hurricane Mitigation

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

Risk Score: 74.7

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

Nearby Locations

Zip Code 01930 Zip Code 01938 Zip Code 01929 Zip Code 01944 Zip Code 01969 Zip Code 01982