Climate Risk Summary

Zip Code 10547, Risk Profile

The primary drivers of climate-related financial risk in Lake Mohegan, NY (10547) are Inland Flooding, Hurricane, and Cold Wave.

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

$1,477,316

Expected Annual Loss for Zip Code 10547

39.6Score

Relatively Moderate compared to US average

10547
Minimal Estimated LossMax Estimated Loss

Hurricane

$146,481

Expected Annual Loss for Zip Code 10547

68.3Score

Relatively Low compared to US average

10547
Minimal Estimated LossMax Estimated Loss

Cold Wave

$101,597

Expected Annual Loss for Zip Code 10547

42.0Score

Relatively Low compared to US average

10547
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
$1,477,316
Score: 39.6
MAJOR DRIVER
Hurricane
$146,481
Score: 68.3
MAJOR DRIVER
Cold Wave
$101,597
Score: 42.0
Earthquake
$85,979
Score: 49.5
Strong Wind
$69,841
Score: 61.3
Heat Wave
$61,878
Score: 31.9
Tornado
$25,485
Score: 20.6
Lightning
$23,245
Score: 40.6
Winter Weather
$11,605
Score: 61.3
Ice Storm
$9,216
Score: 39.3
Landslide
$2,166
Score: 79.7
Hail
$1,171
Score: 11.8
Wildfire
$898
Score: 41.2

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: 39.6
🌀High Investment

Hurricane Mitigation

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

Risk Score: 68.3
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 42.0

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

Nearby Locations

Zip Code 10588Zip Code 10517Zip Code 10567Zip Code 10598Zip Code 10579Zip Code 10537