Climate Risk Summary

Zip Code 10026, Risk Profile

The primary drivers of climate-related financial risk in New York, NY (10026) are Inland Flooding, Heat Wave, and Cold Wave.

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

$2,646,288

Expected Annual Loss for Zip Code 10026

41.6Score

Relatively Moderate compared to US average

10026
Minimal Estimated LossMax Estimated Loss

Heat Wave

$902,630

Expected Annual Loss for Zip Code 10026

87.0Score

Relatively High compared to US average

10026
Minimal Estimated LossMax Estimated Loss

Cold Wave

$409,307

Expected Annual Loss for Zip Code 10026

59.9Score

Relatively Moderate compared to US average

10026
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
$2,646,288
Score: 41.6
MAJOR DRIVER
Heat Wave
$902,630
Score: 87.0
MAJOR DRIVER
Cold Wave
$409,307
Score: 59.9
Hurricane
$358,374
Score: 71.6
Earthquake
$224,410
Score: 55.4
Strong Wind
$166,338
Score: 66.1
Tornado
$78,458
Score: 26.9
Winter Weather
$25,651
Score: 64.2
Hail
$23,858
Score: 41.3
Lightning
$22,850
Score: 25.3
Ice Storm
$10,104
Score: 25.8
Landslide
$0
Score: 6.3

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: 41.6
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 87.0
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 59.9

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 10027Zip Code 10029Zip Code 10025Zip Code 10035Zip Code 10031Zip Code 10115