Climate Risk Summary

Ledgewood, NJ Risk Profile

The primary drivers of climate-related financial risk in Ledgewood, NJ are Inland Flooding, Cold Wave, and Hurricane. This area also faces an unusually high intensity for Drought compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Ledgewood.

Primary Risks

Inland Flooding

$702,037

Expected Annual Loss for Ledgewood

34.8Score

Relatively Low compared to US average

Ledgewood
Minimal Estimated LossMax Estimated Loss

Cold Wave

$131,178

Expected Annual Loss for Ledgewood

62.2Score

Relatively Moderate compared to US average

Ledgewood
Minimal Estimated LossMax Estimated Loss

Hurricane

$53,562

Expected Annual Loss for Ledgewood

62.8Score

Relatively Low compared to US average

Ledgewood
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$702,037
Score: 34.8
MAJOR DRIVER
Cold Wave
$131,178
Score: 62.2
MAJOR DRIVER
Hurricane
$53,562
Score: 62.8
Strong Wind
$53,076
Score: 69.0
Tornado
$52,456
Score: 38.3
Heat Wave
$40,673
Score: 36.0
Earthquake
$33,655
Score: 41.8
Lightning
$17,654
Score: 48.4
UNUSUALLY HIGH
Drought
$12,587
Score: 86.9
Winter Weather
$12,448
Score: 76.3
Ice Storm
$1,698
Score: 13.7
Hail
$1,172
Score: 18.0
Wildfire
$255
Score: 45.3
Landslide
$43
Score: 71.2

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 62.2
🌀High Investment

Hurricane Mitigation

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

Risk Score: 62.8
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 69.0
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.9
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 76.3
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 71.2

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

Nearby Cities

Budd LakeFlandersKenvilLandingMount Arlington

Zip Codes in Ledgewood

Climate Risk Analysis for Ledgewood, NJ