Climate Risk Summary

Dover Beaches South, NJ Risk Profile

The primary drivers of climate-related financial risk in Dover Beaches South, NJ are Inland Flooding, Coastal Flooding, and Strong Wind.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Dover Beaches South.

Primary Risks

Inland Flooding

$403,006

Expected Annual Loss for Dover Beaches South

61.9Score

Relatively Moderate compared to US average

Dover Beaches South
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$236,749

Expected Annual Loss for Dover Beaches South

98.6Score

Relatively High compared to US average

Dover Beaches South
Minimal Estimated LossMax Estimated Loss

Strong Wind

$68,098

Expected Annual Loss for Dover Beaches South

93.3Score

Relatively High compared to US average

Dover Beaches South
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$403,006
Score: 61.9
MAJOR DRIVER
Coastal Flooding
$236,749
Score: 98.6
MAJOR DRIVER
Strong Wind
$68,098
Score: 93.3
Hurricane
$25,723
Score: 67.7
Cold Wave
$7,158
Score: 26.3
Earthquake
$4,618
Score: 25.2
Lightning
$3,009
Score: 30.3
Winter Weather
$2,078
Score: 59.1
Heat Wave
$1,803
Score: 4.2
Tornado
$1,776
Score: 7.5
Ice Storm
$1,475
Score: 34.4
Hail
$371
Score: 17.2
Landslide
$0
Score: 23.5
Wildfire
$0
Score: 18.7

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: 61.9
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.6
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 93.3
🌀High Investment

Hurricane Mitigation

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

Risk Score: 67.7
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

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

Dover Beaches NorthIsland HeightsLavalletteMantolokingOcean Gate

Zip Codes in Dover Beaches South

0873508751