Climate Risk Summary

Zip Code 07670, Risk Profile

The primary drivers of climate-related financial risk in Tenafly, NJ (07670) are Inland Flooding, Hurricane, 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

$2,844,920

Expected Annual Loss for Zip Code 07670

58.4Score

Relatively Moderate compared to US average

07670

Minimal Estimated LossMax Estimated Loss

Hurricane

$307,372

Expected Annual Loss for Zip Code 07670

73.6Score

Relatively Moderate compared to US average

07670

Minimal Estimated LossMax Estimated Loss

Earthquake

$200,119

Expected Annual Loss for Zip Code 07670

60.6Score

Relatively Low compared to US average

07670

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

$2,844,920

Score: 58.4

MAJOR DRIVER

Hurricane

$307,372

Score: 73.6

MAJOR DRIVER

Earthquake

$200,119

Score: 60.6

Tornado

$156,963

Score: 41.5

Heat Wave

$155,188

Score: 50.2

Cold Wave

$129,714

Score: 39.8

Strong Wind

$98,959

Score: 60.8

Lightning

$37,932

Score: 44.3

Winter Weather

$25,758

Score: 71.7

Ice Storm

$6,288

Score: 21.8

Hail

$1,238

Score: 8.8

Wildfire

$147

Score: 23.6

Landslide

$45

Score: 46.0

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: 58.4

🌀High Investment

Hurricane Mitigation

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

Risk Score: 73.6

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 60.6

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 07631 Zip Code 07626 Zip Code 07632 Zip Code 07620 Zip Code 07627 Zip Code 07621