Climate Risk Summary

Proctor, VT Risk Profile

The primary drivers of climate-related financial risk in Proctor, VT are Inland Flooding, Cold Wave, and Strong Wind. This area also faces an unusually high intensity for Landslide compared to national averages.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$269,498

Expected Annual Loss for Proctor

26.1Score

Relatively Low compared to US average

Proctor
Minimal Estimated LossMax Estimated Loss

Cold Wave

$21,073

Expected Annual Loss for Proctor

36.7Score

Relatively Low compared to US average

Proctor
Minimal Estimated LossMax Estimated Loss

Strong Wind

$8,935

Expected Annual Loss for Proctor

40.7Score

Relatively Low compared to US average

Proctor
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$269,498
Score: 26.1
MAJOR DRIVER
Cold Wave
$21,073
Score: 36.7
MAJOR DRIVER
Strong Wind
$8,935
Score: 40.7
Heat Wave
$8,667
Score: 15.7
Hurricane
$7,981
Score: 52.6
Lightning
$6,749
Score: 42.5
Earthquake
$5,369
Score: 22.8
Tornado
$5,321
Score: 17.5
Ice Storm
$2,241
Score: 37.1
Avalanche
$1,682
Score: 54.4
Hail
$1,609
Score: 30.9
Winter Weather
$1,326
Score: 42.0
Wildfire
$178
Score: 50.2
UNUSUALLY HIGH
Landslide
$65
Score: 80.0

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

🌀High Investment

Hurricane Mitigation

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

Risk Score: 52.6
🏠Low Investment

Avalanche Mitigation

General property maintenance and insurance review recommended.

Risk Score: 54.4
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 50.2
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 80.0

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

BensonCastletonEast MiddleburyKillington VillageMiddletown Springs

Zip Codes in Proctor

Climate Risk Analysis for Proctor, VT