Climate Risk Summary

Red Bank, NJ Risk Profile

The primary drivers of climate-related financial risk in Red Bank, NJ are Strong Wind, Inland Flooding, and Heat Wave.

City-Wide Aggregation

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

Primary Risks

Strong Wind

$1,664,569

Expected Annual Loss for Red Bank

99.1Score

Very High compared to US average

Red Bank (OUTLIER)

Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,666,604

Expected Annual Loss for Red Bank

29.0Score

Relatively Low compared to US average

Red Bank

Minimal Estimated LossMax Estimated Loss

Heat Wave

$619,474

Expected Annual Loss for Red Bank

85.4Score

Relatively High compared to US average

Red Bank

Minimal Estimated LossMax Estimated Loss

City Boundary

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Strong Wind

$1,664,569

Score: 99.1

MAJOR DRIVER

Inland Flooding

$1,666,604

Score: 29.0

MAJOR DRIVER

Heat Wave

$619,474

Score: 85.4

Earthquake

$477,388

Score: 72.5

Hurricane

$326,873

Score: 73.9

Cold Wave

$141,370

Score: 41.7

Lightning

$88,463

Score: 69.2

Tornado

$33,037

Score: 18.9

Winter Weather

$30,288

Score: 74.4

Ice Storm

$31,716

Score: 61.0

Wildfire

$1,964

Score: 29.2

Coastal Flooding

$1,797

Score: 43.9

Hail

$1,777

Score: 11.9

Landslide

Score: 21.4

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: 99.1

☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 85.4

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.5

🌀High Investment

Hurricane Mitigation

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

Risk Score: 73.9

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 69.2

🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 74.4

❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 61.0

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 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

Fair Haven Fairview Lincroft Little Silver Oceanport

Zip Codes in Red Bank

07701