Climate Risk Summary

Napeague, NY Risk Profile

The primary drivers of climate-related financial risk in Napeague, NY are Inland Flooding, Hurricane, and Coastal Flooding. This area also faces an unusually high intensity for Landslide compared to national averages.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$588,592

Expected Annual Loss for Napeague

94.0Score

Relatively High compared to US average

Napeague
Minimal Estimated LossMax Estimated Loss

Hurricane

$83,664

Expected Annual Loss for Napeague

85.7Score

Relatively Moderate compared to US average

Napeague
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$30,133

Expected Annual Loss for Napeague

95.0Score

Relatively Moderate compared to US average

Napeague
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$588,592
Score: 94.0
MAJOR DRIVER
Hurricane
$83,664
Score: 85.7
MAJOR DRIVER
Coastal Flooding
$30,133
Score: 95.0
Earthquake
$12,642
Score: 57.5
Cold Wave
$6,168
Score: 31.5
Tornado
$1,916
Score: 15.7
Heat Wave
$1,802
Score: 7.2
Lightning
$1,458
Score: 27.3
Winter Weather
$1,178
Score: 59.8
Strong Wind
$1,146
Score: 19.3
Ice Storm
$965
Score: 38.8
Wildfire
$279
Score: 66.2
UNUSUALLY HIGH
Landslide
$150
Score: 89.6
Hail
$102
Score: 9.5

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: 94.0
🌀High Investment

Hurricane Mitigation

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

Risk Score: 85.7
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 95.0
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 57.5
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 59.8
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 66.2
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 89.6

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

AmagansettEast HamptonEast Hampton NorthMontaukNorthwest Harbor

Zip Codes in Napeague

1193011954