Climate Risk Summary

Zip Code 14469, Risk Profile

The primary drivers of climate-related financial risk in Bloomfield, NY (14469) are Inland Flooding, Drought, and Strong Wind.

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

Inland Flooding

$932,207

Expected Annual Loss for Zip Code 14469

24.5Score

Relatively Low compared to US average

14469

Minimal Estimated LossMax Estimated Loss

Drought

$107,888

Expected Annual Loss for Zip Code 14469

92.7Score

Relatively Moderate compared to US average

14469

Minimal Estimated LossMax Estimated Loss

Strong Wind

$86,122

Expected Annual Loss for Zip Code 14469

67.9Score

Relatively Moderate compared to US average

14469

Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$932,207

Score: 24.5

MAJOR DRIVER

Drought

$107,888

Score: 92.7

MAJOR DRIVER

Strong Wind

$86,122

Score: 67.9

Tornado

$70,861

Score: 34.9

Hail

$49,068

Score: 67.3

Heat Wave

$26,488

Score: 13.2

Hurricane

$25,204

Score: 51.7

Ice Storm

$24,589

Score: 66.1

Lightning

$21,475

Score: 39.6

Earthquake

$14,521

Score: 19.3

Cold Wave

$9,236

Score: 19.4

Wildfire

$1,784

Score: 62.6

Winter Weather

$1,151

Score: 23.2

Landslide

$167

Score: 68.2

Recommended Mitigation Strategies

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

💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 24.5

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.7

💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 67.9

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

Nearby Locations

Zip Code 14564 Zip Code 14475 Zip Code 14471 Zip Code 14424 Zip Code 14472 Zip Code 14485