Climate Risk Summary

Kansas City, MO Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$74,542,919

Expected Annual Loss for Kansas City

35.3Score

Very High compared to US average

Kansas City
Minimal Estimated LossMax Estimated Loss

Tornado

$44,808,557

Expected Annual Loss for Kansas City

83.1Score

Very High compared to US average

Kansas City
Minimal Estimated LossMax Estimated Loss

Cold Wave

$23,844,470

Expected Annual Loss for Kansas City

68.2Score

Very High compared to US average

Kansas City
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$74,542,919
Score: 35.3
MAJOR DRIVER
Tornado
$44,808,557
Score: 83.1
MAJOR DRIVER
Cold Wave
$23,844,470
Score: 68.2
UNUSUALLY HIGH
Heat Wave
$24,805,461
Score: 87.1
UNUSUALLY HIGH
Hail
$15,141,665
Score: 88.7
Strong Wind
$3,569,704
Score: 52.6
Earthquake
$1,621,789
Score: 25.1
Lightning
$1,255,719
Score: 39.7
Ice Storm
$1,057,868
Score: 45.9
Winter Weather
$617,695
Score: 54.1
Wildfire
$84,863
Score: 39.8
Drought
$52,247
Score: 16.7
Landslide
$11,682
Score: 67.2

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

🌪️High Investment

Tornado Mitigation

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

Risk Score: 83.1
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 68.2
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 87.1
🧊Medium Investment

Hail Mitigation

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

Risk Score: 88.7
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 52.6
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 54.1
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 67.2

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

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

Kansas CityBlue SummitGladstoneIndependenceNorth Kansas City

Zip Codes in Kansas City

64012640306405264053640556406464068640796408164082641016410264105641066410864109641106411164112641136411464116641176411864119641206412364124641256412664127641286412964130641316413264133641346413664137641386413964145641466414764149641506415164152641536415464155641566415764158641616416364164641656416664167