Climate Risk Summary

Zip Code 07720, Risk Profile

The primary drivers of climate-related financial risk in Bradley Beach, NJ (07720) are Strong Wind, Inland Flooding, 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

Strong Wind

$560,490

Expected Annual Loss for Zip Code 07720

98.6Score

Very High compared to US average

07720
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$534,399

Expected Annual Loss for Zip Code 07720

15.7Score

Relatively Low compared to US average

07720
Minimal Estimated LossMax Estimated Loss

Hurricane

$109,842

Expected Annual Loss for Zip Code 07720

69.9Score

Relatively Low compared to US average

07720
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Strong Wind
$560,490
Score: 98.6
MAJOR DRIVER
Inland Flooding
$534,399
Score: 15.7
MAJOR DRIVER
Hurricane
$109,842
Score: 69.9
Heat Wave
$70,003
Score: 46.5
Cold Wave
$46,928
Score: 33.8
Earthquake
$42,400
Score: 42.0
Lightning
$27,314
Score: 55.1
Tornado
$11,070
Score: 13.7
Ice Storm
$10,686
Score: 52.6
Winter Weather
$8,015
Score: 60.3
Hail
$596
Score: 8.3
Coastal Flooding
$582
Score: 74.9
Landslide
$0
Score: 9.7

Recommended Mitigation Strategies

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: 98.6
💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 15.7
🌀High Investment

Hurricane Mitigation

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

Risk Score: 69.9

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 07756Zip Code 07717Zip Code 07753Zip Code 07712Zip Code 07719Zip Code 07711
07720 Climate Risk Report | Bradley Beach, NJ