Climate Risk Summary

Zip Code 08085, Risk Profile

The primary drivers of climate-related financial risk in Beckett, NJ (08085) are Inland Flooding, Coastal Flooding, and Earthquake. This area also faces an unusually high intensity for Drought 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

$4,565,079

Expected Annual Loss for Zip Code 08085

40.6Score

Very High compared to US average

08085
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$901,147

Expected Annual Loss for Zip Code 08085

87.8Score

Very High compared to US average

08085
Minimal Estimated LossMax Estimated Loss

Earthquake

$627,928

Expected Annual Loss for Zip Code 08085

60.5Score

Relatively Moderate compared to US average

08085
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
$4,565,079
Score: 40.6
MAJOR DRIVER
Coastal Flooding
$901,147
Score: 87.8
MAJOR DRIVER
Earthquake
$627,928
Score: 60.5
Strong Wind
$473,672
Score: 79.9
Hurricane
$437,310
Score: 68.7
Heat Wave
$415,283
Score: 63.5
Tornado
$297,248
Score: 43.6
Cold Wave
$290,302
Score: 46.5
UNUSUALLY HIGH
Drought
$213,460
Score: 89.3
UNUSUALLY HIGH
Winter Weather
$97,438
Score: 84.9
Ice Storm
$89,226
Score: 73.0
Lightning
$76,133
Score: 49.9
Hail
$54,931
Score: 44.7
Wildfire
$30,007
Score: 76.9
Landslide
$385
Score: 69.5

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: 40.6
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 87.8
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 60.5
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.3
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 84.9

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 08014Zip Code 08067Zip Code 08098Zip Code 08056Zip Code 08062Zip Code 08027