Climate Risk Summary

Zip Code 07070, Risk Profile

The primary drivers of climate-related financial risk in Rutherford, NJ (07070) are Inland Flooding, Coastal Flooding, and Earthquake.

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

$5,048,619

Expected Annual Loss for Zip Code 07070

78.0Score

Relatively High compared to US average

07070
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$293,294

Expected Annual Loss for Zip Code 07070

62.1Score

Relatively High compared to US average

07070
Minimal Estimated LossMax Estimated Loss

Earthquake

$258,770

Expected Annual Loss for Zip Code 07070

61.0Score

Relatively Low compared to US average

07070
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
$5,048,619
Score: 78.0
MAJOR DRIVER
Coastal Flooding
$293,294
Score: 62.1
MAJOR DRIVER
Earthquake
$258,770
Score: 61.0
Hurricane
$249,290
Score: 70.6
Heat Wave
$190,175
Score: 55.0
Cold Wave
$158,783
Score: 43.0
Tornado
$156,228
Score: 40.4
Strong Wind
$114,513
Score: 63.3
Lightning
$45,882
Score: 48.3
Winter Weather
$29,804
Score: 73.8
Ice Storm
$7,270
Score: 23.8
Hail
$1,297
Score: 8.7
Wildfire
$53
Score: 13.7
Landslide
$2
Score: 31.2

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: 78.0
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 62.1
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 61.0

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 07071Zip Code 07073Zip Code 07014Zip Code 07072Zip Code 07055Zip Code 07057