Climate Risk Summary

Zip Code 11726, Risk Profile

The primary drivers of climate-related financial risk in Copiague, NY (11726) are Inland Flooding, Hurricane, and Coastal Flooding.

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

$1,887,788

Expected Annual Loss for Zip Code 11726

35.0Score

Relatively Moderate compared to US average

11726

Minimal Estimated LossMax Estimated Loss

Hurricane

$323,586

Expected Annual Loss for Zip Code 11726

73.5Score

Relatively Moderate compared to US average

11726

Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$278,500

Expected Annual Loss for Zip Code 11726

40.5Score

Relatively High compared to US average

11726

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

$1,887,788

Score: 35.0

MAJOR DRIVER

Hurricane

$323,586

Score: 73.5

MAJOR DRIVER

Coastal Flooding

$278,500

Score: 40.5

Earthquake

$201,105

Score: 56.2

Cold Wave

$187,934

Score: 46.0

Heat Wave

$89,956

Score: 30.1

Strong Wind

$75,707

Score: 50.7

Lightning

$43,435

Score: 45.7

Tornado

$25,878

Score: 14.7

Winter Weather

$25,739

Score: 69.3

Ice Storm

$23,199

Score: 52.2

Hail

$1,314

Score: 8.5

Wildfire

$26

Score: 9.5

Landslide

Score: 29.0

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: 35.0

🌀High Investment

Hurricane Mitigation

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

Risk Score: 73.5

🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 40.5

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 11757 Zip Code 11701 Zip Code 11702 Zip Code 11758 Zip Code 11735 Zip Code 11704