Climate Risk Summary

Zip Code 49445, Risk Profile

The primary drivers of climate-related financial risk in Lakewood Club, MI (49445) are Inland Flooding, Tornado, and Strong Wind.

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

$2,311,722

Expected Annual Loss for Zip Code 49445

28.4Score

Relatively Low compared to US average

49445

Minimal Estimated LossMax Estimated Loss

Tornado

$435,953

Expected Annual Loss for Zip Code 49445

51.9Score

Relatively Moderate compared to US average

49445

Minimal Estimated LossMax Estimated Loss

Strong Wind

$389,601

Expected Annual Loss for Zip Code 49445

82.7Score

Relatively High compared to US average

49445

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

$2,311,722

Score: 28.4

MAJOR DRIVER

Tornado

$435,953

Score: 51.9

MAJOR DRIVER

Strong Wind

$389,601

Score: 82.7

Cold Wave

$166,757

Score: 36.4

Heat Wave

$84,580

Score: 19.6

Lightning

$63,523

Score: 46.8

Ice Storm

$30,032

Score: 50.2

Hail

$29,740

Score: 43.3

Earthquake

$20,709

Score: 13.9

Winter Weather

$5,173

Score: 29.9

Wildfire

$2,962

Score: 54.8

Coastal Flooding

$1,276

Score: 60.2

Hurricane

$735

Score: 20.8

Landslide

$83

Score: 59.7

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: 28.4

🌪️High Investment

Tornado Mitigation

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

Risk Score: 51.9

💨Low Investment

Strong Wind Mitigation

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

Risk Score: 82.7

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 49461 Zip Code 49440 Zip Code 49442 Zip Code 49441 Zip Code 49457 Zip Code 49444