Climate Risk Summary

Loudonville, NY Risk Profile

The primary drivers of climate-related financial risk in Loudonville, NY are Inland Flooding, Tornado, and Hurricane.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$862,647

Expected Annual Loss for Loudonville

29.5Score

Relatively Low compared to US average

Loudonville
Minimal Estimated LossMax Estimated Loss

Tornado

$175,920

Expected Annual Loss for Loudonville

51.2Score

Relatively Moderate compared to US average

Loudonville
Minimal Estimated LossMax Estimated Loss

Hurricane

$100,835

Expected Annual Loss for Loudonville

65.3Score

Relatively Low compared to US average

Loudonville
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$862,647
Score: 29.5
MAJOR DRIVER
Tornado
$175,920
Score: 51.2
MAJOR DRIVER
Hurricane
$100,835
Score: 65.3
Earthquake
$58,942
Score: 43.8
Cold Wave
$55,125
Score: 33.8
Strong Wind
$42,528
Score: 49.6
Lightning
$32,455
Score: 53.3
Heat Wave
$31,378
Score: 19.3
Ice Storm
$20,206
Score: 61.7
Hail
$12,996
Score: 44.0
Winter Weather
$2,794
Score: 34.3
Wildfire
$840
Score: 53.8
Landslide
$46
Score: 64.4

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

🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 51.2
🌀High Investment

Hurricane Mitigation

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

Risk Score: 65.3
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 53.3
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 61.7
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 53.8
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 64.4

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

AlbanyColonieLathamMenandsRensselaer

Zip Codes in Loudonville