Climate Risk Summary

Southbridge Town, MA Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$5,259,241

Expected Annual Loss for Southbridge Town

70.5Score

Relatively High compared to US average

Southbridge Town

Minimal Estimated LossMax Estimated Loss

Hurricane

$599,090

Expected Annual Loss for Southbridge Town

80.1Score

Relatively Moderate compared to US average

Southbridge Town

Minimal Estimated LossMax Estimated Loss

Cold Wave

$177,595

Expected Annual Loss for Southbridge Town

43.1Score

Relatively Moderate compared to US average

Southbridge Town

Minimal Estimated LossMax Estimated Loss

City Boundary

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$5,259,241

Score: 70.5

MAJOR DRIVER

Hurricane

$599,090

Score: 80.1

MAJOR DRIVER

Cold Wave

$177,595

Score: 43.1

Tornado

$123,901

Score: 35.2

Strong Wind

$110,891

Score: 59.9

Heat Wave

$78,457

Score: 24.3

UNUSUALLY HIGH

Ice Storm

$77,334

Score: 80.4

Earthquake

$76,565

Score: 36.5

Lightning

$38,817

Score: 40.7

Hail

$21,417

Score: 42.5

Landslide

$2,728

Score: 78.2

Winter Weather

$2,218

Score: 24.0

Wildfire

$1,670

Score: 43.9

Drought

$735

Score: 21.0

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: 70.5

🌀High Investment

Hurricane Mitigation

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

Risk Score: 80.1

💨Low Investment

Strong Wind Mitigation

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

Risk Score: 59.9

❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 80.4

⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 78.2

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 South Woodstock Fiskdale Holland

Zip Codes in Southbridge Town

01550