Climate Risk Summary

Stone Harbor, NJ Risk Profile

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

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Stone Harbor.

Primary Risks

Inland Flooding

$1,495,845

Expected Annual Loss for Stone Harbor

89.2Score

Relatively High compared to US average

Stone Harbor
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$1,393,891

Expected Annual Loss for Stone Harbor

99.7Score

Very High compared to US average

Stone Harbor (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Hurricane

$459,583

Expected Annual Loss for Stone Harbor

89.7Score

Relatively Moderate compared to US average

Stone Harbor
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$1,495,845
Score: 89.2
MAJOR DRIVER
Coastal Flooding
$1,393,891
Score: 99.7
MAJOR DRIVER
Hurricane
$459,583
Score: 89.7
UNUSUALLY HIGH
Strong Wind
$232,481
Score: 98.0
Tornado
$21,511
Score: 32.5
Earthquake
$18,668
Score: 39.6
Heat Wave
$16,416
Score: 23.7
Cold Wave
$8,370
Score: 23.1
Winter Weather
$7,058
Score: 74.5
Lightning
$5,264
Score: 29.5
Ice Storm
$2,221
Score: 29.9
Wildfire
$573
Score: 61.3
Hail
$143
Score: 3.3
Landslide
$2
Score: 44.3

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: 89.2
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.7
🌀High Investment

Hurricane Mitigation

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

Risk Score: 89.7
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 98.0
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 74.5
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 61.3

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

AvalonCape May Court HouseNorth WildwoodRio GrandeWest Wildwood

Zip Codes in Stone Harbor

08247
Climate Risk Analysis for Stone Harbor, NJ