Climate Risk Summary

Zip Code 10538, Risk Profile

The primary drivers of climate-related financial risk in Larchmont, NY (10538) are Inland Flooding, Hurricane, and Coastal Flooding.

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

$3,309,682

Expected Annual Loss for Zip Code 10538

77.3Score

Relatively Moderate compared to US average

10538

Minimal Estimated LossMax Estimated Loss

Hurricane

$284,466

Expected Annual Loss for Zip Code 10538

76.5Score

Relatively Low compared to US average

10538

Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$213,144

Expected Annual Loss for Zip Code 10538

93.3Score

Relatively Moderate compared to US average

10538

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

$3,309,682

Score: 77.3

MAJOR DRIVER

Hurricane

$284,466

Score: 76.5

MAJOR DRIVER

Coastal Flooding

$213,144

Score: 93.3

Earthquake

$162,995

Score: 61.7

Cold Wave

$128,421

Score: 44.4

Strong Wind

$124,843

Score: 73.1

Heat Wave

$115,159

Score: 47.8

Tornado

$48,534

Score: 28.2

Lightning

$38,055

Score: 51.0

Ice Storm

$17,099

Score: 52.9

Winter Weather

$16,858

Score: 67.2

Hail

$2,078

Score: 16.8

Wildfire

$187

Score: 31.5

Landslide

$58

Score: 64.9

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: 77.3

🌀High Investment

Hurricane Mitigation

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

Risk Score: 76.5

🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 93.3

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

FEMA National Risk IndexHazard frequency and loss data (v1.20.0 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 10543 Zip Code 10804 Zip Code 10801 Zip Code 10583 Zip Code 10805 Zip Code 10528