Climate Risk Summary

Highland Lakes, NJ Risk Profile

The primary drivers of climate-related financial risk in Highland Lakes, NJ are Inland Flooding, Cold Wave, and Strong Wind. This area also faces an unusually high intensity for Landslide compared to national averages.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$319,178

Expected Annual Loss for Highland Lakes

32.1Score

Relatively Low compared to US average

Highland Lakes
Minimal Estimated LossMax Estimated Loss

Cold Wave

$279,745

Expected Annual Loss for Highland Lakes

92.1Score

Relatively High compared to US average

Highland Lakes
Minimal Estimated LossMax Estimated Loss

Strong Wind

$113,844

Expected Annual Loss for Highland Lakes

95.0Score

Relatively High compared to US average

Highland Lakes
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$319,178
Score: 32.1
MAJOR DRIVER
Cold Wave
$279,745
Score: 92.1
MAJOR DRIVER
Strong Wind
$113,844
Score: 95.0
Tornado
$20,444
Score: 35.1
Earthquake
$17,385
Score: 43.4
Heat Wave
$15,692
Score: 29.2
Hurricane
$14,053
Score: 56.3
Lightning
$11,250
Score: 57.2
Winter Weather
$5,053
Score: 72.5
Ice Storm
$2,089
Score: 34.5
UNUSUALLY HIGH
Landslide
$1,256
Score: 93.9
Hail
$364
Score: 13.1
Wildfire
$19
Score: 27.0

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: 92.1
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 95.0
🌀High Investment

Hurricane Mitigation

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

Risk Score: 56.3
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 57.2
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.5
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 93.9

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

Nearby Cities

FranklinHamburgHewittOak RidgeUpper Greenwood Lake

Zip Codes in Highland Lakes