Climate Risk Summary

Montclair State University, NJ Risk Profile

The primary drivers of climate-related financial risk in Montclair State University, NJ are Inland Flooding, Heat Wave, and Cold Wave.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Montclair State University.

Primary Risks

Inland Flooding

$108,518

Expected Annual Loss for Montclair State University

2.2Score

Very Low compared to US average

Montclair State University
Minimal Estimated LossMax Estimated Loss

Heat Wave

$32,600

Expected Annual Loss for Montclair State University

42.8Score

Relatively Low compared to US average

Montclair State University
Minimal Estimated LossMax Estimated Loss

Cold Wave

$32,051

Expected Annual Loss for Montclair State University

38.3Score

Relatively Low compared to US average

Montclair State University
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$108,518
Score: 2.2
MAJOR DRIVER
Heat Wave
$32,600
Score: 42.8
MAJOR DRIVER
Cold Wave
$32,051
Score: 38.3
Strong Wind
$31,181
Score: 66.2
Tornado
$24,833
Score: 33.6
Earthquake
$23,781
Score: 43.6
Hurricane
$17,334
Score: 55.5
Lightning
$11,256
Score: 47.7
Winter Weather
$4,614
Score: 62.8
Ice Storm
$1,103
Score: 13.7
Hail
$196
Score: 4.6
Wildfire
$12
Score: 23.3
Landslide
$1
Score: 36.6

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: 66.2
🌀High Investment

Hurricane Mitigation

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

Risk Score: 55.5
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 62.8

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

BrookdaleCliftonGlen RidgeGreat NotchSingac

Zip Codes in Montclair State University