Climate Risk Summary

Somers Point, NJ Risk Profile

The primary drivers of climate-related financial risk in Somers Point, NJ are Inland Flooding, Hurricane, and Strong Wind. This area also faces an unusually high intensity for Coastal Flooding and Wildfire compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Somers Point.

Primary Risks

Inland Flooding

$1,461,584

Expected Annual Loss for Somers Point

27.1Score

Relatively Low compared to US average

Somers Point
Minimal Estimated LossMax Estimated Loss

Hurricane

$747,018

Expected Annual Loss for Somers Point

82.8Score

Relatively Moderate compared to US average

Somers Point
Minimal Estimated LossMax Estimated Loss

Strong Wind

$493,333

Expected Annual Loss for Somers Point

93.5Score

Relatively High compared to US average

Somers Point
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$1,461,584
Score: 27.1
MAJOR DRIVER
Hurricane
$747,018
Score: 82.8
MAJOR DRIVER
Strong Wind
$493,333
Score: 93.5
UNUSUALLY HIGH
Coastal Flooding
$566,153
Score: 94.2
Cold Wave
$148,102
Score: 45.7
Heat Wave
$84,282
Score: 34.1
Earthquake
$54,021
Score: 34.7
Tornado
$51,403
Score: 26.7
Lightning
$42,842
Score: 49.2
UNUSUALLY HIGH
Wildfire
$36,213
Score: 83.0
Winter Weather
$31,800
Score: 78.3
Ice Storm
$6,106
Score: 23.3
Hail
$196
Score: 1.4
Landslide
$2
Score: 30.1

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

🌀High Investment

Hurricane Mitigation

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

Risk Score: 82.8
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 93.5
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 94.2
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 83.0
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 78.3

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

Nearby Cities

BargaintownBeesleys PointEnglish CreekEstell ManorLinwood

Zip Codes in Somers Point

0822108244