Climate Risk Summary

Beachwood, NJ Risk Profile

The primary drivers of climate-related financial risk in Beachwood, NJ are Inland Flooding, Strong Wind, and Hurricane.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$929,011

Expected Annual Loss for Beachwood

11.3Score

Very Low compared to US average

Beachwood
Minimal Estimated LossMax Estimated Loss

Strong Wind

$419,262

Expected Annual Loss for Beachwood

91.0Score

Relatively High compared to US average

Beachwood
Minimal Estimated LossMax Estimated Loss

Hurricane

$160,604

Expected Annual Loss for Beachwood

65.4Score

Relatively Low compared to US average

Beachwood
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$929,011
Score: 11.3
MAJOR DRIVER
Strong Wind
$419,262
Score: 91.0
MAJOR DRIVER
Hurricane
$160,604
Score: 65.4
Cold Wave
$122,572
Score: 39.5
Heat Wave
$120,886
Score: 42.8
Earthquake
$79,704
Score: 38.7
Lightning
$46,727
Score: 51.3
Winter Weather
$34,341
Score: 78.3
Ice Storm
$14,134
Score: 41.9
Tornado
$12,776
Score: 7.7
Coastal Flooding
$19,705
Score: 16.8
Wildfire
$5,599
Score: 59.1
Hail
$5,180
Score: 24.9
Drought
$144
Score: 20.7
Landslide
$1
Score: 21.8

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

💨Low Investment

Strong Wind Mitigation

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

Risk Score: 91.0
🌀High Investment

Hurricane Mitigation

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

Risk Score: 65.4
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 51.3
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 78.3
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 59.1

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

Holiday City-BerkeleyHoliday City SouthHoliday HeightsIsland HeightsPine Beach

Zip Codes in Beachwood

08722