Climate Risk Summary

Mount Morris, NY Risk Profile

The primary drivers of climate-related financial risk in Mount Morris, NY are Inland Flooding, Tornado, and Cold Wave.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$890,513

Expected Annual Loss for Mount Morris

69.8Score

Relatively Moderate compared to US average

Mount Morris
Minimal Estimated LossMax Estimated Loss

Tornado

$42,527

Expected Annual Loss for Mount Morris

42.2Score

Relatively Low compared to US average

Mount Morris
Minimal Estimated LossMax Estimated Loss

Cold Wave

$32,816

Expected Annual Loss for Mount Morris

39.2Score

Relatively Low compared to US average

Mount Morris
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$890,513
Score: 69.8
MAJOR DRIVER
Tornado
$42,527
Score: 42.2
MAJOR DRIVER
Cold Wave
$32,816
Score: 39.2
Strong Wind
$23,851
Score: 59.1
Lightning
$10,743
Score: 46.9
Ice Storm
$9,991
Score: 68.6
Heat Wave
$8,741
Score: 10.8
Earthquake
$6,110
Score: 20.3
Hail
$2,840
Score: 34.3
Hurricane
$2,195
Score: 40.4
Winter Weather
$1,572
Score: 39.2
Drought
$412
Score: 76.5
Wildfire
$162
Score: 45.2
Landslide
$2
Score: 43.7

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: 69.8
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 59.1
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 68.6
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 76.5

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

AvonCastileDansvilleGeneseoLakeville

Zip Codes in Mount Morris

14510
Climate Risk Analysis for Mount Morris, NY