Climate Risk Summary

River Rouge, MI Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$1,325,928

Expected Annual Loss for River Rouge

38.0Score

Relatively Low compared to US average

River Rouge
Minimal Estimated LossMax Estimated Loss

Cold Wave

$240,940

Expected Annual Loss for River Rouge

71.3Score

Relatively Moderate compared to US average

River Rouge
Minimal Estimated LossMax Estimated Loss

Tornado

$205,339

Expected Annual Loss for River Rouge

54.1Score

Relatively Moderate compared to US average

River Rouge
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$1,325,928
Score: 38.0
MAJOR DRIVER
Cold Wave
$240,940
Score: 71.3
MAJOR DRIVER
Tornado
$205,339
Score: 54.1
Heat Wave
$128,143
Score: 66.0
Strong Wind
$59,648
Score: 57.7
Earthquake
$45,093
Score: 37.0
Lightning
$10,211
Score: 28.2
Ice Storm
$14,968
Score: 50.0
Winter Weather
$2,659
Score: 28.8
Hail
$794
Score: 7.6
Hurricane
$660
Score: 23.4
Wildfire
$102
Score: 29.1
Coastal Flooding
$117
Score: 13.0
Landslide
$8
Score: 22.1

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

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 71.3
🌪️High Investment

Tornado Mitigation

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

Risk Score: 54.1
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 66.0
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 57.7

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

Allen ParkDearbornDetroitEcorseLincoln Park

Zip Codes in River Rouge

48218
Climate Risk Analysis for River Rouge, MI