Climate Risk Summary

Zip Code 02561, Risk Profile

The primary drivers of climate-related financial risk in Sagamore, MA (02561) are Inland Flooding, Hurricane, and Tornado. This area also faces an unusually high intensity for Coastal Flooding compared to national averages.

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

$161,652

Expected Annual Loss for Zip Code 02561

42.9Score

Relatively Low compared to US average

02561

Minimal Estimated LossMax Estimated Loss

Hurricane

$85,966

Expected Annual Loss for Zip Code 02561

85.6Score

Relatively Moderate compared to US average

02561

Minimal Estimated LossMax Estimated Loss

Tornado

$10,530

Expected Annual Loss for Zip Code 02561

38.6Score

Relatively Low compared to US average

02561

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

$161,652

Score: 42.9

MAJOR DRIVER

Hurricane

$85,966

Score: 85.6

MAJOR DRIVER

Tornado

$10,530

Score: 38.6

Lightning

$7,919

Score: 74.9

Strong Wind

$6,352

Score: 55.1

Earthquake

$5,420

Score: 37.7

UNUSUALLY HIGH

Coastal Flooding

$5,218

Score: 88.6

Hail

$3,728

Score: 59.4

Cold Wave

$3,320

Score: 24.5

Heat Wave

$1,707

Score: 6.5

Ice Storm

$524

Score: 22.7

Drought

$125

Score: 76.5

Winter Weather

$119

Score: 22.2

Wildfire

$100

Score: 53.9

Landslide

$21

Score: 78.2

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: 42.9

🌀High Investment

Hurricane Mitigation

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

Risk Score: 85.6

🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 38.6

🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.6

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 02532 Zip Code 02542 Zip Code 02562 Zip Code 02563 Zip Code 02360 Zip Code 02537