Climate Risk Summary

Winnemucca, NV Risk Profile

The primary drivers of climate-related financial risk in Winnemucca, NV are Wildfire, Inland Flooding, and Earthquake. 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 Winnemucca.

Primary Risks

Wildfire

$1,359,993

Expected Annual Loss for Winnemucca

97.5Score

Very High compared to US average

Winnemucca

Minimal Estimated LossMax Estimated Loss

Inland Flooding

$765,257

Expected Annual Loss for Winnemucca

45.0Score

Relatively Low compared to US average

Winnemucca

Minimal Estimated LossMax Estimated Loss

Earthquake

$709,262

Expected Annual Loss for Winnemucca

85.7Score

Relatively High compared to US average

Winnemucca

Minimal Estimated LossMax Estimated Loss

City Boundary

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Wildfire

$1,359,993

Score: 97.5

MAJOR DRIVER

Inland Flooding

$765,257

Score: 45.0

MAJOR DRIVER

Earthquake

$709,262

Score: 85.7

Heat Wave

$109,135

Score: 72.3

UNUSUALLY HIGH

Winter Weather

$65,939

Score: 98.0

Lightning

$20,441

Score: 57.7

Cold Wave

$12,796

Score: 23.7

Drought

$11,562

Score: 21.6

Strong Wind

$7,060

Score: 23.1

Tornado

$1,498

Score: 3.0

Hail

$1,170

Score: 19.3

Volcanic Activity

Score: 67.4

Landslide

Score: 12.5

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: 97.5

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.7

☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 72.3

🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.0

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 57.7

🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 67.4

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

Nearby Cities

Battle Mountain Lovelock

Zip Codes in Winnemucca

89445