Climate Risk Summary

Zip Code 03824, Risk Profile

The primary drivers of climate-related financial risk in Durham, NH (03824) are Inland Flooding, Earthquake, and Drought. This area also faces an unusually high intensity for Ice Storm 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

Inland Flooding

$2,369,569

Expected Annual Loss for Zip Code 03824

41.7Score

Relatively Moderate compared to US average

03824
Minimal Estimated LossMax Estimated Loss

Earthquake

$235,950

Expected Annual Loss for Zip Code 03824

60.7Score

Relatively Low compared to US average

03824
Minimal Estimated LossMax Estimated Loss

Drought

$208,333

Expected Annual Loss for Zip Code 03824

63.0Score

Relatively Moderate compared to US average

03824
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
$2,369,569
Score: 41.7
MAJOR DRIVER
Earthquake
$235,950
Score: 60.7
MAJOR DRIVER
Drought
$208,333
Score: 63.0
Hurricane
$207,175
Score: 66.8
Tornado
$143,862
Score: 38.9
UNUSUALLY HIGH
Ice Storm
$124,403
Score: 87.4
Cold Wave
$102,072
Score: 34.3
Lightning
$85,708
Score: 68.2
Strong Wind
$66,148
Score: 48.1
Heat Wave
$52,522
Score: 17.4
Coastal Flooding
$18,829
Score: 54.6
Hail
$10,923
Score: 33.4
Winter Weather
$8,864
Score: 45.5
Wildfire
$1,692
Score: 47.4
Landslide
$62
Score: 59.6

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: 41.7
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 60.7
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 63.0
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 87.4

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 03857Zip Code 03823Zip Code 03820Zip Code 03861Zip Code 03801Zip Code 03840