Climate Risk Summary

Clio, MI Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$263,417

Expected Annual Loss for Clio

13.5Score

Very Low compared to US average

Clio
Minimal Estimated LossMax Estimated Loss

Tornado

$137,606

Expected Annual Loss for Clio

64.2Score

Relatively Moderate compared to US average

Clio
Minimal Estimated LossMax Estimated Loss

Cold Wave

$132,685

Expected Annual Loss for Clio

72.6Score

Relatively Moderate compared to US average

Clio
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$263,417
Score: 13.5
MAJOR DRIVER
Tornado
$137,606
Score: 64.2
MAJOR DRIVER
Cold Wave
$132,685
Score: 72.6
Strong Wind
$26,202
Score: 61.0
Heat Wave
$12,791
Score: 16.5
Hail
$9,724
Score: 54.8
Lightning
$6,880
Score: 34.3
Earthquake
$6,811
Score: 21.3
Ice Storm
$3,736
Score: 41.4
Hurricane
$676
Score: 31.1
Winter Weather
$541
Score: 24.5
Wildfire
$7
Score: 21.8
Landslide
$3
Score: 47.7

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

🌪️High Investment

Tornado Mitigation

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

Risk Score: 64.2
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.6
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 61.0
🧊Medium Investment

Hail Mitigation

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

Risk Score: 54.8

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

Nearby Cities

BeecherBurtonFlintFlushingFrankenmuth

Zip Codes in Clio

48420