Climate Risk Summary

Alpine, NJ Risk Profile

The primary drivers of climate-related financial risk in Alpine, NJ are Inland Flooding, Hurricane, and Earthquake. This area also faces an unusually high intensity for Coastal Flooding and Landslide compared to national averages.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$379,349

Expected Annual Loss for Alpine

20.9Score

Relatively Low compared to US average

Alpine
Minimal Estimated LossMax Estimated Loss

Hurricane

$69,208

Expected Annual Loss for Alpine

70.7Score

Relatively Low compared to US average

Alpine
Minimal Estimated LossMax Estimated Loss

Earthquake

$39,155

Expected Annual Loss for Alpine

51.9Score

Relatively Low compared to US average

Alpine
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$379,349
Score: 20.9
MAJOR DRIVER
Hurricane
$69,208
Score: 70.7
MAJOR DRIVER
Earthquake
$39,155
Score: 51.9
Tornado
$30,844
Score: 34.7
Heat Wave
$17,748
Score: 20.8
Cold Wave
$14,835
Score: 25.8
UNUSUALLY HIGH
Coastal Flooding
$13,594
Score: 87.1
Strong Wind
$12,496
Score: 37.3
Lightning
$4,494
Score: 22.1
Winter Weather
$3,543
Score: 53.1
Ice Storm
$1,361
Score: 14.9
Hail
$254
Score: 5.4
Wildfire
$227
Score: 47.5
UNUSUALLY HIGH
Landslide
$154
Score: 82.6

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: 70.7
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 51.9
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 87.1
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 53.1
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 82.6

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

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

Nearby Cities

ClosterCresskillDemarestNorthvaleNorwood

Zip Codes in Alpine

07620