Climate Risk Summary

Clifton Knolls-Mill Creek, NY Risk Profile

The primary drivers of climate-related financial risk in Clifton Knolls-Mill Creek, NY are Inland Flooding, Tornado, and Hurricane.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Clifton Knolls-Mill Creek.

Primary Risks

Inland Flooding

$262,289

Expected Annual Loss for Clifton Knolls-Mill Creek

20.3Score

Relatively Low compared to US average

Clifton Knolls-Mill Creek
Minimal Estimated LossMax Estimated Loss

Tornado

$52,793

Expected Annual Loss for Clifton Knolls-Mill Creek

49.9Score

Relatively Low compared to US average

Clifton Knolls-Mill Creek
Minimal Estimated LossMax Estimated Loss

Hurricane

$25,038

Expected Annual Loss for Clifton Knolls-Mill Creek

61.2Score

Relatively Low compared to US average

Clifton Knolls-Mill Creek
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$262,289
Score: 20.3
MAJOR DRIVER
Tornado
$52,793
Score: 49.9
MAJOR DRIVER
Hurricane
$25,038
Score: 61.2
Cold Wave
$17,198
Score: 31.5
Strong Wind
$16,181
Score: 53.7
Earthquake
$14,938
Score: 38.4
Lightning
$14,102
Score: 61.8
Heat Wave
$12,311
Score: 20.5
Ice Storm
$7,485
Score: 66.4
Hail
$4,395
Score: 44.7
Winter Weather
$1,013
Score: 34.9
Wildfire
$365
Score: 57.7
Landslide
$0
Score: 29.4

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: 61.2
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 53.7
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 61.8
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 66.4
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 57.7

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

Clifton GardensCohoesColonieCountry KnollsEast Glenville

Zip Codes in Clifton Knolls-Mill Creek