Climate Risk Summary

Zip Code 89450, Risk Profile

The primary drivers of climate-related financial risk in Incline Village, NV (89450) are Avalanche, Wildfire, and Earthquake. This area also faces an unusually high intensity for Winter Weather 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

Avalanche

$2,039,481

Expected Annual Loss for Zip Code 89450

80.8Score

Relatively Moderate compared to US average

89450
Minimal Estimated LossMax Estimated Loss

Wildfire

$1,907,975

Expected Annual Loss for Zip Code 89450

98.5Score

Very High compared to US average

89450
Minimal Estimated LossMax Estimated Loss

Earthquake

$1,122,897

Expected Annual Loss for Zip Code 89450

88.4Score

Relatively High compared to US average

89450
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Avalanche
$2,039,481
Score: 80.8
MAJOR DRIVER
Wildfire
$1,907,975
Score: 98.5
MAJOR DRIVER
Earthquake
$1,122,897
Score: 88.4
Inland Flooding
$984,536
Score: 47.2
UNUSUALLY HIGH
Winter Weather
$28,463
Score: 89.8
Lightning
$15,363
Score: 44.8
Strong Wind
$9,670
Score: 26.6
Heat Wave
$5,390
Score: 5.1
Ice Storm
$5,193
Score: 39.3
Hail
$4,938
Score: 34.9
Tornado
$1,781
Score: 2.9
UNUSUALLY HIGH
Landslide
$996
Score: 86.1
Volcanic Activity
$1
Score: 55.8

Recommended Mitigation Strategies

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

🏠Low Investment

Avalanche Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.8
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 98.5
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.4
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.8
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 86.1

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 89451Zip Code 89704Zip Code 89402Zip Code 96143Zip Code 89703Zip Code 96161