Climate Risk Summary

Zip Code 63040, Risk Profile

The primary drivers of climate-related financial risk in Wildwood, MO (63040) are Heat Wave, Inland Flooding, and Earthquake. This area also faces an unusually high intensity for Hail and Landslide compared to national averages.

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

Heat Wave

$2,713,890

Expected Annual Loss for Zip Code 63040

98.7Score

Very High compared to US average

63040 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,825,597

Expected Annual Loss for Zip Code 63040

52.1Score

Relatively Moderate compared to US average

63040
Minimal Estimated LossMax Estimated Loss

Earthquake

$530,066

Expected Annual Loss for Zip Code 63040

79.3Score

Relatively Moderate compared to US average

63040
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Heat Wave
$2,713,890
Score: 98.7
MAJOR DRIVER
Inland Flooding
$1,825,597
Score: 52.1
MAJOR DRIVER
Earthquake
$530,066
Score: 79.3
Cold Wave
$437,079
Score: 76.3
UNUSUALLY HIGH
Hail
$434,807
Score: 94.0
Tornado
$279,979
Score: 57.9
Lightning
$60,606
Score: 68.4
Ice Storm
$43,953
Score: 78.2
UNUSUALLY HIGH
Landslide
$22,616
Score: 85.5
Strong Wind
$22,605
Score: 30.4
Winter Weather
$16,724
Score: 68.9
Wildfire
$2,763
Score: 59.6
Hurricane
$561
Score: 23.5

Recommended Mitigation Strategies

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

☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 98.7
💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 52.1
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 79.3
🧊Medium Investment

Hail Mitigation

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

Risk Score: 94.0
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 85.5

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

Nearby Locations

Zip Code 63038Zip Code 63011Zip Code 63025Zip Code 63021Zip Code 63005Zip Code 63069