Climate Risk Summary

Zip Code 08618, Risk Profile

The primary drivers of climate-related financial risk in Trenton, NJ (08618) are Inland Flooding, Hurricane, and Earthquake. This area also faces an unusually high intensity for Strong Wind, Ice Storm, and Winter Weather compared to national averages.

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

$10,756,780

Expected Annual Loss for Zip Code 08618

72.0Score

Very High compared to US average

08618
Minimal Estimated LossMax Estimated Loss

Hurricane

$1,391,317

Expected Annual Loss for Zip Code 08618

82.3Score

Relatively Moderate compared to US average

08618
Minimal Estimated LossMax Estimated Loss

Earthquake

$1,244,688

Expected Annual Loss for Zip Code 08618

77.6Score

Relatively Moderate compared to US average

08618
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
$10,756,780
Score: 72.0
MAJOR DRIVER
Hurricane
$1,391,317
Score: 82.3
MAJOR DRIVER
Earthquake
$1,244,688
Score: 77.6
UNUSUALLY HIGH
Strong Wind
$1,016,697
Score: 93.0
Heat Wave
$593,200
Score: 72.0
Cold Wave
$419,730
Score: 52.7
Tornado
$338,098
Score: 43.9
UNUSUALLY HIGH
Ice Storm
$143,900
Score: 81.1
Lightning
$126,693
Score: 62.2
UNUSUALLY HIGH
Winter Weather
$96,734
Score: 85.6
Hail
$7,182
Score: 21.0
Drought
$1,714
Score: 14.3
Wildfire
$678
Score: 18.6
Landslide
$10
Score: 34.4

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: 72.0
🌀High Investment

Hurricane Mitigation

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

Risk Score: 82.3
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 77.6
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 93.0
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 81.1
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.6

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

Nearby Locations

Zip Code 08638Zip Code 08628Zip Code 19067Zip Code 08608Zip Code 08648Zip Code 08611