Climate Risk Summary

Zip Code 11530, Risk Profile

The primary drivers of climate-related financial risk in Garden City, NY (11530) are Inland Flooding, Earthquake, and Hurricane.

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

$3,957,365

Expected Annual Loss for Zip Code 11530

52.6Score

Relatively Moderate compared to US average

11530
Minimal Estimated LossMax Estimated Loss

Earthquake

$1,033,384

Expected Annual Loss for Zip Code 11530

76.8Score

Relatively Moderate compared to US average

11530
Minimal Estimated LossMax Estimated Loss

Hurricane

$657,276

Expected Annual Loss for Zip Code 11530

76.6Score

Relatively Moderate compared to US average

11530
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
$3,957,365
Score: 52.6
MAJOR DRIVER
Earthquake
$1,033,384
Score: 76.8
MAJOR DRIVER
Hurricane
$657,276
Score: 76.6
Cold Wave
$194,432
Score: 39.0
Heat Wave
$161,646
Score: 36.9
Ice Storm
$108,021
Score: 78.4
Strong Wind
$104,067
Score: 49.0
Tornado
$102,346
Score: 28.0
Lightning
$59,501
Score: 44.0
Winter Weather
$41,398
Score: 71.6
Hail
$2,376
Score: 10.6
Wildfire
$18
Score: 3.8
Landslide
$9
Score: 39.1

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: 52.6
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 76.8
🌀High Investment

Hurricane Mitigation

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

Risk Score: 76.6

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

Nearby Locations

Zip Code 11501Zip Code 11550Zip Code 11552Zip Code 11040Zip Code 11514Zip Code 11596