Climate Risk Summary

International Falls, MN Risk Profile

The primary drivers of climate-related financial risk in International Falls, MN are Inland Flooding, Cold Wave, and Heat Wave. This area also faces an unusually high intensity for Winter Weather compared to national averages.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$3,196,208

Expected Annual Loss for International Falls

71.3Score

Very High compared to US average

International Falls
Minimal Estimated LossMax Estimated Loss

Cold Wave

$995,201

Expected Annual Loss for International Falls

94.1Score

Very High compared to US average

International Falls
Minimal Estimated LossMax Estimated Loss

Heat Wave

$83,363

Expected Annual Loss for International Falls

48.7Score

Relatively Low compared to US average

International Falls
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$3,196,208
Score: 71.3
MAJOR DRIVER
Cold Wave
$995,201
Score: 94.1
MAJOR DRIVER
Heat Wave
$83,363
Score: 48.7
Hail
$54,163
Score: 71.7
Lightning
$33,715
Score: 58.3
UNUSUALLY HIGH
Winter Weather
$21,182
Score: 80.1
Strong Wind
$17,114
Score: 30.2
Tornado
$5,176
Score: 5.5
Wildfire
$633
Score: 47.7
Earthquake
$420
Score: 1.3
Ice Storm
$277
Score: 2.0
Drought
$14
Score: 34.9
Landslide
$7
Score: 40.8

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: 71.3
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 94.1
🧊Medium Investment

Hail Mitigation

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

Risk Score: 71.7
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 58.3
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.1

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

Nearby Cities

Mountain Iron

Zip Codes in International Falls

56649
Climate Risk Analysis for International Falls, MN