Climate Risk Summary

Zip Code 07203, Risk Profile

The primary drivers of climate-related financial risk in Roselle, NJ (07203) are Inland Flooding, Earthquake, and Heat Wave. 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

$2,186,942

Expected Annual Loss for Zip Code 07203

46.1Score

Relatively Moderate compared to US average

07203
Minimal Estimated LossMax Estimated Loss

Earthquake

$426,155

Expected Annual Loss for Zip Code 07203

72.7Score

Relatively Moderate compared to US average

07203
Minimal Estimated LossMax Estimated Loss

Heat Wave

$276,234

Expected Annual Loss for Zip Code 07203

68.0Score

Relatively Moderate compared to US average

07203
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
$2,186,942
Score: 46.1
MAJOR DRIVER
Earthquake
$426,155
Score: 72.7
MAJOR DRIVER
Heat Wave
$276,234
Score: 68.0
Strong Wind
$217,860
Score: 79.7
Tornado
$181,637
Score: 44.0
Cold Wave
$167,366
Score: 45.3
Hurricane
$161,762
Score: 65.6
Lightning
$79,342
Score: 66.8
UNUSUALLY HIGH
Winter Weather
$49,576
Score: 84.9
Ice Storm
$44,951
Score: 71.1
Hail
$2,822
Score: 17.6
Coastal Flooding
$1,369
Score: 28.5
Wildfire
$12
Score: 3.7
Landslide
$0
Score: 16.6

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: 46.1
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.7
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 68.0
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 84.9

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

Nearby Locations

Zip Code 07204Zip Code 07036Zip Code 07208Zip Code 07083Zip Code 07202Zip Code 07033