Climate Risk Summary

Belle Terre, NY Risk Profile

The primary drivers of climate-related financial risk in Belle Terre, NY are Inland Flooding, Hurricane, and Cold Wave. This area also faces an unusually high intensity for Coastal Flooding and Landslide compared to national averages.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$105,311

Expected Annual Loss for Belle Terre

13.2Score

Very Low compared to US average

Belle Terre
Minimal Estimated LossMax Estimated Loss

Hurricane

$27,544

Expected Annual Loss for Belle Terre

72.4Score

Relatively Low compared to US average

Belle Terre
Minimal Estimated LossMax Estimated Loss

Cold Wave

$11,121

Expected Annual Loss for Belle Terre

35.3Score

Relatively Low compared to US average

Belle Terre
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$105,311
Score: 13.2
MAJOR DRIVER
Hurricane
$27,544
Score: 72.4
MAJOR DRIVER
Cold Wave
$11,121
Score: 35.3
Heat Wave
$6,190
Score: 20.3
Earthquake
$5,103
Score: 30.9
Strong Wind
$5,054
Score: 40.5
UNUSUALLY HIGH
Coastal Flooding
$3,894
Score: 86.2
Tornado
$3,237
Score: 18.5
Lightning
$2,429
Score: 31.0
Ice Storm
$2,261
Score: 52.4
Winter Weather
$1,631
Score: 59.3
UNUSUALLY HIGH
Landslide
$196
Score: 89.2
Hail
$139
Score: 9.1
Wildfire
$9
Score: 25.8

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

🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 72.4
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.2
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 52.4
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 59.3
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 89.2

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

Nearby Cities

East SetauketMount SinaiOld FieldPoquottPort Jefferson

Zip Codes in Belle Terre

11777