Climate Risk Summary

Zip Code 48506, Risk Profile

The primary drivers of climate-related financial risk in Flint, MI (48506) are Inland Flooding, Tornado, and Cold Wave.

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

$4,201,999

Expected Annual Loss for Zip Code 48506

32.9Score

Relatively High compared to US average

48506
Minimal Estimated LossMax Estimated Loss

Tornado

$1,765,010

Expected Annual Loss for Zip Code 48506

73.6Score

Relatively High compared to US average

48506
Minimal Estimated LossMax Estimated Loss

Cold Wave

$1,356,109

Expected Annual Loss for Zip Code 48506

76.1Score

Relatively High compared to US average

48506
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
$4,201,999
Score: 32.9
MAJOR DRIVER
Tornado
$1,765,010
Score: 73.6
MAJOR DRIVER
Cold Wave
$1,356,109
Score: 76.1
Strong Wind
$288,848
Score: 65.9
Heat Wave
$130,516
Score: 20.7
Hail
$103,289
Score: 57.6
Lightning
$69,313
Score: 38.3
Earthquake
$52,606
Score: 19.5
Ice Storm
$48,776
Score: 51.0
Winter Weather
$4,678
Score: 24.6
Hurricane
$1,961
Score: 24.0
Wildfire
$230
Score: 24.9
Landslide
$8
Score: 31.7

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: 32.9
🌪️High Investment

Tornado Mitigation

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

Risk Score: 73.6
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 76.1

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

Nearby Locations

Zip Code 48509Zip Code 48458Zip Code 48505Zip Code 48423Zip Code 48437Zip Code 48503