Climate Risk Summary

Gloversville, NY Risk Profile

The primary drivers of climate-related financial risk in Gloversville, NY are Inland Flooding, Cold Wave, and Tornado.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Gloversville.

Primary Risks

Inland Flooding

$2,373,274

Expected Annual Loss for Gloversville

36.5Score

Relatively Moderate compared to US average

Gloversville

Minimal Estimated LossMax Estimated Loss

Cold Wave

$370,154

Expected Annual Loss for Gloversville

59.7Score

Relatively Moderate compared to US average

Gloversville

Minimal Estimated LossMax Estimated Loss

Tornado

$246,921

Expected Annual Loss for Gloversville

45.4Score

Relatively Low compared to US average

Gloversville

Minimal Estimated LossMax Estimated Loss

City Boundary

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$2,373,274

Score: 36.5

MAJOR DRIVER

Cold Wave

$370,154

Score: 59.7

MAJOR DRIVER

Tornado

$246,921

Score: 45.4

Earthquake

$171,847

Score: 52.2

Strong Wind

$167,205

Score: 69.2

Hurricane

$82,264

Score: 55.5

Lightning

$57,394

Score: 49.8

Heat Wave

$40,725

Score: 10.4

Ice Storm

$36,935

Score: 61.4

Hail

$35,676

Score: 50.2

Winter Weather

$25,923

Score: 66.8

Wildfire

$858

Score: 38.2

Landslide

Score: 29.1

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 59.7

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 52.2

💨Low Investment

Strong Wind Mitigation

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

Risk Score: 69.2

🌀High Investment

Hurricane Mitigation

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

Risk Score: 55.5

❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 61.4

🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 50.2

🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 66.8

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

Amsterdam Broadalbin Central Bridge Duanesburg Johnstown

Zip Codes in Gloversville

12078 12095