Climate Risk Summary

Zip Code 08054, Risk Profile

The primary drivers of climate-related financial risk in Moorestown-Lenola, NJ (08054) are Inland Flooding, Strong Wind, and Earthquake. This area also faces an unusually high intensity for Winter Weather 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

$10,264,103

Expected Annual Loss for Zip Code 08054

55.6Score

Very High compared to US average

08054

Minimal Estimated LossMax Estimated Loss

Strong Wind

$1,014,214

Expected Annual Loss for Zip Code 08054

82.4Score

Very High compared to US average

08054

Minimal Estimated LossMax Estimated Loss

Earthquake

$901,360

Expected Annual Loss for Zip Code 08054

56.2Score

Relatively Moderate compared to US average

08054

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

$10,264,103

Score: 55.6

MAJOR DRIVER

Strong Wind

$1,014,214

Score: 82.4

MAJOR DRIVER

Earthquake

$901,360

Score: 56.2

Hurricane

$805,053

Score: 68.1

Heat Wave

$581,995

Score: 53.4

Cold Wave

$481,253

Score: 41.6

Tornado

$462,835

Score: 38.2

Ice Storm

$263,693

Score: 80.0

Lightning

$212,368

Score: 59.3

UNUSUALLY HIGH

Winter Weather

$187,832

Score: 86.3

Wildfire

$41,504

Score: 69.9

Coastal Flooding

$11,672

Score: 17.5

Hail

$6,609

Score: 11.7

Drought

$5,566

Score: 59.8

Landslide

$146

Score: 53.8

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: 55.6

💨Low Investment

Strong Wind Mitigation

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

Risk Score: 82.4

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 56.2

🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.3

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 08057 Zip Code 08053 Zip Code 08036 Zip Code 08048 Zip Code 08055 Zip Code 08046