Climate Risk Summary

Zip Code 87745, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, NM (87745) are Wildfire, Inland Flooding, and Lightning. This area also faces an unusually high intensity for Winter Weather, Drought, and Landslide 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

Wildfire

$1,074,535

Expected Annual Loss for Zip Code 87745

99.6Score

Very High compared to US average

87745 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,018,724

Expected Annual Loss for Zip Code 87745

96.3Score

Very High compared to US average

87745
Minimal Estimated LossMax Estimated Loss

Lightning

$13,044

Expected Annual Loss for Zip Code 87745

80.4Score

Relatively High compared to US average

87745
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Wildfire
$1,074,535
Score: 99.6
MAJOR DRIVER
Inland Flooding
$1,018,724
Score: 96.3
MAJOR DRIVER
Lightning
$13,044
Score: 80.4
Cold Wave
$10,878
Score: 34.7
UNUSUALLY HIGH
Winter Weather
$7,782
Score: 91.3
Strong Wind
$5,694
Score: 43.3
Earthquake
$5,630
Score: 32.4
Hail
$5,566
Score: 61.0
Tornado
$3,606
Score: 20.0
UNUSUALLY HIGH
Drought
$621
Score: 80.6
UNUSUALLY HIGH
Landslide
$474
Score: 92.6
Heat Wave
$97
Score: 1.9
Ice Storm
$34
Score: 1.7
Avalanche
$22
Score: 10.1

Recommended Mitigation Strategies

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

🔥Low Investment

Wildfire Mitigation

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

Risk Score: 99.6
💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 96.3
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.4
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.3
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.6
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 92.6

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 87701Zip Code 87742Zip Code 87712Zip Code 87731Zip Code 87732Zip Code 87753