Climate Risk Summary

Zip Code 03246, Risk Profile

The primary drivers of climate-related financial risk in Laconia, NH (03246) are Inland Flooding, Lightning, and Hurricane. This area also faces an unusually high intensity for Ice Storm and Winter Weather 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

$4,197,650

Expected Annual Loss for Zip Code 03246

71.1Score

Relatively High compared to US average

03246
Minimal Estimated LossMax Estimated Loss

Lightning

$593,339

Expected Annual Loss for Zip Code 03246

99.0Score

Very High compared to US average

03246 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Hurricane

$383,311

Expected Annual Loss for Zip Code 03246

75.4Score

Relatively Moderate compared to US average

03246
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
$4,197,650
Score: 71.1
MAJOR DRIVER
Lightning
$593,339
Score: 99.0
MAJOR DRIVER
Hurricane
$383,311
Score: 75.4
Tornado
$182,836
Score: 42.2
UNUSUALLY HIGH
Ice Storm
$165,942
Score: 90.8
Earthquake
$152,756
Score: 52.2
Cold Wave
$152,396
Score: 41.1
Strong Wind
$129,301
Score: 65.5
Heat Wave
$82,553
Score: 27.4
UNUSUALLY HIGH
Winter Weather
$54,517
Score: 85.3
Hail
$17,478
Score: 40.1
Wildfire
$1,800
Score: 55.5
Landslide
$143
Score: 69.2

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: 71.1
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.0
🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 75.4
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 90.8
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.3

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 03249Zip Code 03253Zip Code 03269Zip Code 03220Zip Code 03276Zip Code 03256