Climate Risk Summary

Zip Code 87109, Risk Profile

The primary drivers of climate-related financial risk in Albuquerque, NM (87109) are Inland Flooding, Earthquake, and Heat Wave. This area also faces an unusually high intensity for 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

$4,695,331

Expected Annual Loss for Zip Code 87109

45.8Score

Relatively High compared to US average

87109
Minimal Estimated LossMax Estimated Loss

Earthquake

$1,390,596

Expected Annual Loss for Zip Code 87109

77.0Score

Relatively Moderate compared to US average

87109
Minimal Estimated LossMax Estimated Loss

Heat Wave

$362,041

Expected Annual Loss for Zip Code 87109

54.5Score

Relatively Moderate compared to US average

87109
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
$4,695,331
Score: 45.8
MAJOR DRIVER
Earthquake
$1,390,596
Score: 77.0
MAJOR DRIVER
Heat Wave
$362,041
Score: 54.5
Hail
$147,014
Score: 66.2
Lightning
$145,189
Score: 63.7
UNUSUALLY HIGH
Winter Weather
$81,676
Score: 81.1
Tornado
$78,449
Score: 21.5
Strong Wind
$65,980
Score: 31.9
Cold Wave
$64,320
Score: 22.8
Ice Storm
$8,652
Score: 14.4
Wildfire
$1,462
Score: 37.0
Landslide
$0
Score: 8.7

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: 45.8
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 77.0
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 54.5
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 81.1

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 87111Zip Code 87113Zip Code 87110Zip Code 87122Zip Code 87107Zip Code 87112