Climate Risk Summary

Zip Code 08311, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, NJ (08311) are Coastal Flooding, Inland Flooding, and Hurricane. This area also faces an unusually high intensity for Wildfire, Drought, and 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

Coastal Flooding

$502,984

Expected Annual Loss for Zip Code 08311

98.7Score

Relatively High compared to US average

08311

Minimal Estimated LossMax Estimated Loss

Inland Flooding

$452,428

Expected Annual Loss for Zip Code 08311

32.9Score

Relatively Low compared to US average

08311

Minimal Estimated LossMax Estimated Loss

Hurricane

$302,941

Expected Annual Loss for Zip Code 08311

85.8Score

Relatively Moderate compared to US average

08311

Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Coastal Flooding

$502,984

Score: 98.7

MAJOR DRIVER

Inland Flooding

$452,428

Score: 32.9

MAJOR DRIVER

Hurricane

$302,941

Score: 85.8

Cold Wave

$100,518

Score: 65.5

UNUSUALLY HIGH

Wildfire

$95,118

Score: 94.2

UNUSUALLY HIGH

Drought

$89,786

Score: 95.2

Earthquake

$50,905

Score: 60.0

Heat Wave

$47,322

Score: 54.4

Strong Wind

$32,732

Score: 66.6

Tornado

$25,904

Score: 33.8

Hail

$13,997

Score: 61.2

Lightning

$12,524

Score: 50.0

UNUSUALLY HIGH

Winter Weather

$11,844

Score: 83.5

Ice Storm

$2,772

Score: 33.2

Landslide

Score: 54.7

Recommended Mitigation Strategies

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

🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.7

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 32.9

🌀High Investment

Hurricane Mitigation

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

Risk Score: 85.8

🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 94.2

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 95.2

🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 83.5

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 08302 Zip Code 08345 Zip Code 08332 Zip Code 08320 Zip Code 08349 Zip Code 08321