Climate Risk Summary

Zip Code 14485, Risk Profile

The primary drivers of climate-related financial risk in Lima, NY (14485) are Inland Flooding, Cold Wave, and Drought.

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

$409,082

Expected Annual Loss for Zip Code 14485

29.1Score

Relatively Low compared to US average

14485
Minimal Estimated LossMax Estimated Loss

Cold Wave

$47,367

Expected Annual Loss for Zip Code 14485

46.6Score

Relatively Low compared to US average

14485
Minimal Estimated LossMax Estimated Loss

Drought

$39,710

Expected Annual Loss for Zip Code 14485

92.7Score

Relatively Moderate compared to US average

14485
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
$409,082
Score: 29.1
MAJOR DRIVER
Cold Wave
$47,367
Score: 46.6
MAJOR DRIVER
Drought
$39,710
Score: 92.7
Tornado
$38,379
Score: 39.9
Strong Wind
$27,849
Score: 62.7
Hail
$19,980
Score: 67.9
Lightning
$15,048
Score: 56.4
Heat Wave
$13,636
Score: 17.7
Ice Storm
$11,500
Score: 71.3
Hurricane
$9,940
Score: 51.8
Earthquake
$9,194
Score: 25.6
Winter Weather
$2,209
Score: 45.3
Wildfire
$547
Score: 59.9
Landslide
$9
Score: 61.0

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: 29.1
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 46.6
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.7

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 14487Zip Code 14472Zip Code 14469Zip Code 14414Zip Code 14585Zip Code 14466