Climate Risk Summary

Zip Code 48192, Risk Profile

The primary drivers of climate-related financial risk in Wyandotte, MI (48192) are Inland Flooding, Cold Wave, and Tornado.

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

$3,020,686

Expected Annual Loss for Zip Code 48192

29.1Score

Relatively Moderate compared to US average

48192

Minimal Estimated LossMax Estimated Loss

Cold Wave

$777,638

Expected Annual Loss for Zip Code 48192

66.2Score

Relatively Moderate compared to US average

48192

Minimal Estimated LossMax Estimated Loss

Tornado

$492,674

Expected Annual Loss for Zip Code 48192

49.5Score

Relatively Moderate compared to US average

48192

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

$3,020,686

Score: 29.1

MAJOR DRIVER

Cold Wave

$777,638

Score: 66.2

MAJOR DRIVER

Tornado

$492,674

Score: 49.5

Heat Wave

$413,585

Score: 59.3

Strong Wind

$143,741

Score: 51.7

Earthquake

$55,567

Score: 22.4

Lightning

$32,729

Score: 24.2

Ice Storm

$29,469

Score: 42.1

Winter Weather

$5,394

Score: 27.4

Hail

$1,978

Score: 6.9

Hurricane

$1,305

Score: 22.5

Coastal Flooding

$1,276

Score: 26.6

Wildfire

$92

Score: 18.7

Landslide

Score: 16.2

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: 29.1

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 66.2

🌪️High Investment

Tornado Mitigation

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

Risk Score: 49.5

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 48138 Zip Code 48146 Zip Code 48229 Zip Code 48195 Zip Code 48193 Zip Code 48183