Climate Risk Summary

Highland, IL Risk Profile

The primary drivers of climate-related financial risk in Highland, IL are Inland Flooding, Earthquake, and Tornado. This area also faces an unusually high intensity for Heat Wave, Cold Wave, Hail, and Lightning compared to national averages.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$1,067,585

Expected Annual Loss for Highland

80.3Score

Relatively High compared to US average

Highland
Minimal Estimated LossMax Estimated Loss

Earthquake

$784,210

Expected Annual Loss for Highland

89.5Score

Relatively High compared to US average

Highland
Minimal Estimated LossMax Estimated Loss

Tornado

$427,291

Expected Annual Loss for Highland

93.3Score

Relatively High compared to US average

Highland
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$1,067,585
Score: 80.3
MAJOR DRIVER
Earthquake
$784,210
Score: 89.5
MAJOR DRIVER
Tornado
$427,291
Score: 93.3
UNUSUALLY HIGH
Heat Wave
$291,711
Score: 94.8
UNUSUALLY HIGH
Cold Wave
$255,284
Score: 87.9
UNUSUALLY HIGH
Hail
$68,213
Score: 87.3
UNUSUALLY HIGH
Lightning
$29,000
Score: 80.7
Strong Wind
$13,088
Score: 44.4
Winter Weather
$7,897
Score: 77.8
Ice Storm
$3,043
Score: 38.8
Drought
$672
Score: 78.2
Hurricane
$265
Score: 25.9
Wildfire
$117
Score: 42.2
Landslide
$23
Score: 70.2

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: 80.3
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.5
🌪️High Investment

Tornado Mitigation

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

Risk Score: 93.3
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 94.8
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 87.9
🧊Medium Investment

Hail Mitigation

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

Risk Score: 87.3
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.7
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 77.8
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 78.2
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 70.2

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

EdwardsvilleLebanonLivingstonNew BadenPocahontas

Zip Codes in Highland

62249