Climate Risk Summary

Reno, NV Risk Profile

The primary drivers of climate-related financial risk in Reno, NV are Earthquake, Inland Flooding, and Wildfire. This area also faces an unusually high intensity for Winter Weather compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Reno.

Primary Risks

Earthquake

$104,358,188

Expected Annual Loss for Reno

89.1Score

Very High compared to US average

Reno
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$37,617,413

Expected Annual Loss for Reno

37.8Score

Relatively High compared to US average

Reno
Minimal Estimated LossMax Estimated Loss

Wildfire

$3,548,403

Expected Annual Loss for Reno

52.4Score

Relatively High compared to US average

Reno
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$104,358,188
Score: 89.1
MAJOR DRIVER
Inland Flooding
$37,617,413
Score: 37.8
MAJOR DRIVER
Wildfire
$3,548,403
Score: 52.4
UNUSUALLY HIGH
Winter Weather
$1,021,913
Score: 87.9
Lightning
$738,433
Score: 48.2
Strong Wind
$577,887
Score: 32.8
Heat Wave
$322,077
Score: 6.1
Ice Storm
$253,003
Score: 42.7
Hail
$215,209
Score: 35.1
Tornado
$76,193
Score: 3.0
Drought
$5,791
Score: 3.9
Landslide
$517
Score: 31.1
Volcanic Activity
$136
Score: 61.3

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

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.1
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 52.4
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 87.9
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 61.3

Sources and Methodology

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 Cities

Cold SpringsGolden ValleyLemmon ValleyMogulSpanish Springs

Zip Codes in Reno

8943189433894398950189502895038950689508895098951189512895198952189523