Climate Risk Summary

Zip Code 07621, Risk Profile

The primary drivers of climate-related financial risk in Bergenfield, NJ (07621) are Inland Flooding, Earthquake, and Hurricane.

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

$3,915,816

Expected Annual Loss for Zip Code 07621

51.3Score

Relatively High compared to US average

07621
Minimal Estimated LossMax Estimated Loss

Earthquake

$375,834

Expected Annual Loss for Zip Code 07621

62.5Score

Relatively Low compared to US average

07621
Minimal Estimated LossMax Estimated Loss

Hurricane

$307,305

Expected Annual Loss for Zip Code 07621

67.9Score

Relatively Low compared to US average

07621
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
$3,915,816
Score: 51.3
MAJOR DRIVER
Earthquake
$375,834
Score: 62.5
MAJOR DRIVER
Hurricane
$307,305
Score: 67.9
Heat Wave
$284,621
Score: 55.0
Cold Wave
$237,894
Score: 43.5
Tornado
$215,629
Score: 39.4
Strong Wind
$168,425
Score: 62.7
Lightning
$68,594
Score: 48.7
Winter Weather
$43,513
Score: 73.1
Ice Storm
$10,704
Score: 23.8
Hail
$1,834
Score: 8.4
Wildfire
$112
Score: 18.1
Landslide
$0
Score: 17.4

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: 51.3
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 62.5
🌀High Investment

Hurricane Mitigation

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

Risk Score: 67.9

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

Nearby Locations

Zip Code 07666Zip Code 07628Zip Code 07646Zip Code 07631Zip Code 07670Zip Code 07626
07621 Climate Risk Report | Bergenfield, NJ