Climate Risk Summary

Zip Code 07856, Risk Profile

The primary drivers of climate-related financial risk in Mount Arlington, NJ (07856) are Inland Flooding, Cold Wave, and Strong Wind.

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

$901,793

Expected Annual Loss for Zip Code 07856

27.0Score

Relatively Moderate compared to US average

07856
Minimal Estimated LossMax Estimated Loss

Cold Wave

$217,661

Expected Annual Loss for Zip Code 07856

63.6Score

Relatively Moderate compared to US average

07856
Minimal Estimated LossMax Estimated Loss

Strong Wind

$86,361

Expected Annual Loss for Zip Code 07856

69.3Score

Relatively Moderate compared to US average

07856
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
$901,793
Score: 27.0
MAJOR DRIVER
Cold Wave
$217,661
Score: 63.6
MAJOR DRIVER
Strong Wind
$86,361
Score: 69.3
Tornado
$80,253
Score: 38.6
Hurricane
$73,688
Score: 61.3
Heat Wave
$67,411
Score: 39.5
Earthquake
$56,306
Score: 40.8
Lightning
$29,079
Score: 51.5
Winter Weather
$20,114
Score: 76.4
Drought
$5,272
Score: 15.7
Ice Storm
$2,761
Score: 16.3
Hail
$1,455
Score: 15.1
Wildfire
$757
Score: 50.6
Landslide
$102
Score: 74.5

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: 27.0
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 63.6
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 69.3

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

Nearby Locations

Zip Code 07850Zip Code 07885Zip Code 07843Zip Code 07849Zip Code 07847Zip Code 07852
07856 Climate Risk Report | Mount Arlington, NJ