Climate Risk Summary

Zip Code 07930, Risk Profile

The primary drivers of climate-related financial risk in Chester, NJ (07930) are Inland Flooding, Cold Wave, and Hurricane. This area also faces an unusually high intensity for Drought 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

$3,079,903

Expected Annual Loss for Zip Code 07930

60.7Score

Relatively Moderate compared to US average

07930

Minimal Estimated LossMax Estimated Loss

Cold Wave

$276,196

Expected Annual Loss for Zip Code 07930

56.8Score

Relatively Moderate compared to US average

07930

Minimal Estimated LossMax Estimated Loss

Hurricane

$194,843

Expected Annual Loss for Zip Code 07930

67.7Score

Relatively Low compared to US average

07930

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

$3,079,903

Score: 60.7

MAJOR DRIVER

Cold Wave

$276,196

Score: 56.8

MAJOR DRIVER

Hurricane

$194,843

Score: 67.7

Earthquake

$150,499

Score: 51.7

Tornado

$146,791

Score: 39.6

Strong Wind

$120,872

Score: 65.2

UNUSUALLY HIGH

Drought

$118,576

Score: 90.4

Heat Wave

$86,067

Score: 30.2

Lightning

$38,912

Score: 43.9

Winter Weather

$29,091

Score: 73.8

Hail

$5,194

Score: 23.8

Ice Storm

$3,880

Score: 12.2

Wildfire

$1,436

Score: 54.5

Landslide

$918

Score: 78.0

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: 60.7

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 56.8

🌀High Investment

Hurricane Mitigation

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

Risk Score: 67.7

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.4

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 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 07836 Zip Code 07931 Zip Code 07945 Zip Code 07853 Zip Code 07876 Zip Code 07934