Climate Risk Summary

Zip Code 12553, Risk Profile

The primary drivers of climate-related financial risk in Firthcliffe, NY (12553) 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

$2,780,792

Expected Annual Loss for Zip Code 12553

30.7Score

Relatively High compared to US average

12553
Minimal Estimated LossMax Estimated Loss

Hurricane

$539,378

Expected Annual Loss for Zip Code 12553

74.4Score

Relatively Moderate compared to US average

12553
Minimal Estimated LossMax Estimated Loss

Cold Wave

$439,084

Expected Annual Loss for Zip Code 12553

55.9Score

Relatively Moderate compared to US average

12553
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
$2,780,792
Score: 30.7
MAJOR DRIVER
Hurricane
$539,378
Score: 74.4
MAJOR DRIVER
Cold Wave
$439,084
Score: 55.9
Tornado
$296,712
Score: 43.0
Earthquake
$275,853
Score: 54.4
Strong Wind
$178,830
Score: 62.3
Heat Wave
$159,515
Score: 33.6
Lightning
$68,453
Score: 45.8
Winter Weather
$37,743
Score: 68.1
Ice Storm
$17,877
Score: 33.2
Hail
$7,878
Score: 23.0
Drought
$5,897
Score: 22.0
Coastal Flooding
$3,447
Score: 29.8
Landslide
$1,686
Score: 70.3
Wildfire
$1,224
Score: 41.9

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: 30.7
🌀High Investment

Hurricane Mitigation

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

Risk Score: 74.4
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 55.9

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

Nearby Locations

Zip Code 12518Zip Code 12577Zip Code 12550Zip Code 12575Zip Code 12520Zip Code 10953