Climate Risk Summary

Zip Code 07073, Risk Profile

The primary drivers of climate-related financial risk in East Rutherford, NJ (07073) are Inland Flooding, Coastal Flooding, and Earthquake.

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

$4,207,805

Expected Annual Loss for Zip Code 07073

94.5Score

Relatively High compared to US average

07073
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$995,600

Expected Annual Loss for Zip Code 07073

93.2Score

Very High compared to US average

07073
Minimal Estimated LossMax Estimated Loss

Earthquake

$334,475

Expected Annual Loss for Zip Code 07073

71.0Score

Relatively Moderate compared to US average

07073
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
$4,207,805
Score: 94.5
MAJOR DRIVER
Coastal Flooding
$995,600
Score: 93.2
MAJOR DRIVER
Earthquake
$334,475
Score: 71.0
Hurricane
$228,361
Score: 76.7
Tornado
$110,003
Score: 47.8
Heat Wave
$100,641
Score: 58.8
Cold Wave
$84,122
Score: 46.2
Strong Wind
$65,658
Score: 68.1
Lightning
$24,710
Score: 52.9
Winter Weather
$17,127
Score: 77.8
Ice Storm
$4,171
Score: 28.8
Hail
$850
Score: 12.3
Wildfire
$178
Score: 29.5
Landslide
$6
Score: 45.8

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: 94.5
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 93.2
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 71.0

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 07070Zip Code 07072Zip Code 07071Zip Code 07075Zip Code 07074Zip Code 07094