Climate Risk Summary

Zip Code 07760, Risk Profile

The primary drivers of climate-related financial risk in Rumson, NJ (07760) are Inland Flooding, Strong Wind, and Coastal Flooding.

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

$2,378,983

Expected Annual Loss for Zip Code 07760

47.0Score

Relatively Moderate compared to US average

07760

Minimal Estimated LossMax Estimated Loss

Strong Wind

$1,899,474

Expected Annual Loss for Zip Code 07760

99.5Score

Very High compared to US average

07760 (OUTLIER)

Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$932,687

Expected Annual Loss for Zip Code 07760

91.4Score

Very High compared to US average

07760

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

$2,378,983

Score: 47.0

MAJOR DRIVER

Strong Wind

$1,899,474

Score: 99.5

MAJOR DRIVER

Coastal Flooding

$932,687

Score: 91.4

Hurricane

$376,988

Score: 76.3

Heat Wave

$172,498

Score: 47.9

Earthquake

$169,282

Score: 56.2

Cold Wave

$99,243

Score: 33.9

Lightning

$67,551

Score: 60.1

Ice Storm

$34,359

Score: 64.0

Tornado

$33,900

Score: 19.3

Winter Weather

$18,493

Score: 61.6

Wildfire

$16,624

Score: 74.5

Hail

$1,935

Score: 12.7

Drought

$223

Score: 8.2

Landslide

$33

Score: 34.8

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: 47.0

💨Low Investment

Strong Wind Mitigation

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

Risk Score: 99.5

🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.4

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 07704 Zip Code 07750 Zip Code 07716 Zip Code 07732 Zip Code 07701 Zip Code 07739