Climate Risk Summary

Highland-on-the-Lake, NY Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$226,463

Expected Annual Loss for Highland-on-the-Lake

10.7Score

Very Low compared to US average

Highland-on-the-Lake
Minimal Estimated LossMax Estimated Loss

Cold Wave

$79,531

Expected Annual Loss for Highland-on-the-Lake

60.8Score

Relatively Moderate compared to US average

Highland-on-the-Lake
Minimal Estimated LossMax Estimated Loss

Tornado

$29,631

Expected Annual Loss for Highland-on-the-Lake

36.4Score

Relatively Low compared to US average

Highland-on-the-Lake
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$226,463
Score: 10.7
MAJOR DRIVER
Cold Wave
$79,531
Score: 60.8
MAJOR DRIVER
Tornado
$29,631
Score: 36.4
Heat Wave
$6,628
Score: 7.9
Winter Weather
$3,742
Score: 58.2
Ice Storm
$3,132
Score: 37.7
Strong Wind
$2,976
Score: 16.7
Lightning
$2,571
Score: 15.7
Coastal Flooding
$1,759
Score: 79.8
Earthquake
$1,320
Score: 7.3
Wildfire
$1,213
Score: 68.6
Hurricane
$1,148
Score: 35.3
Hail
$242
Score: 6.1
Landslide
$0
Score: 13.2

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: 60.8
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 58.2
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 79.8
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 68.6

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

AngolaAngola on the LakeBuffaloEdenHamburg

Zip Codes in Highland-on-the-Lake