Climate Risk Summary

Alpha, NJ Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$227,891

Expected Annual Loss for Alpha

7.9Score

Very Low compared to US average

Alpha
Minimal Estimated LossMax Estimated Loss

Cold Wave

$170,301

Expected Annual Loss for Alpha

75.6Score

Relatively Moderate compared to US average

Alpha
Minimal Estimated LossMax Estimated Loss

Strong Wind

$59,712

Expected Annual Loss for Alpha

78.9Score

Relatively Moderate compared to US average

Alpha
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$227,891
Score: 7.9
MAJOR DRIVER
Cold Wave
$170,301
Score: 75.6
MAJOR DRIVER
Strong Wind
$59,712
Score: 78.9
Hurricane
$49,722
Score: 65.9
Tornado
$34,683
Score: 36.5
Earthquake
$34,179
Score: 48.9
Heat Wave
$27,988
Score: 33.6
Lightning
$15,604
Score: 53.8
UNUSUALLY HIGH
Drought
$12,298
Score: 88.0
Winter Weather
$6,674
Score: 68.6
Ice Storm
$3,162
Score: 34.0
Hail
$1,060
Score: 20.3
Wildfire
$113
Score: 39.2
Landslide
$0
Score: 30.9

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

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 75.6
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 78.9
🌀High Investment

Hurricane Mitigation

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

Risk Score: 65.9
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 53.8
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.0
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 68.6

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

BloomsburyGreenwichPhillipsburgStewartsvilleUpper Pohatcong

Zip Codes in Alpha

08865