Climate Risk Summary

Zip Code 10553, Risk Profile

The primary drivers of climate-related financial risk in Mount Vernon, NY (10553) are Inland Flooding, Earthquake, and Hurricane.

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

$1,023,705

Expected Annual Loss for Zip Code 10553

26.1Score

Relatively Low compared to US average

10553
Minimal Estimated LossMax Estimated Loss

Earthquake

$152,522

Expected Annual Loss for Zip Code 10553

61.4Score

Relatively Low compared to US average

10553
Minimal Estimated LossMax Estimated Loss

Hurricane

$113,476

Expected Annual Loss for Zip Code 10553

65.1Score

Relatively Low compared to US average

10553
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
$1,023,705
Score: 26.1
MAJOR DRIVER
Earthquake
$152,522
Score: 61.4
MAJOR DRIVER
Hurricane
$113,476
Score: 65.1
Cold Wave
$108,330
Score: 43.2
Strong Wind
$105,570
Score: 72.0
Heat Wave
$97,148
Score: 46.2
Lightning
$35,658
Score: 52.7
Tornado
$20,887
Score: 17.9
Winter Weather
$13,244
Score: 64.3
Ice Storm
$5,914
Score: 28.0
Coastal Flooding
$1,308
Score: 29.7
Hail
$1,216
Score: 12.1
Landslide
$2
Score: 34.7

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: 26.1
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 61.4
🌀High Investment

Hurricane Mitigation

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

Risk Score: 65.1

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)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 10552Zip Code 10550Zip Code 10803Zip Code 10466Zip Code 10475Zip Code 10801