Climate Risk Summary

Zip Code 11225, Risk Profile

The primary drivers of climate-related financial risk in New York, NY (11225) are Inland Flooding, Heat Wave, and Earthquake.

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

$2,844,983

Expected Annual Loss for Zip Code 11225

19.0Score

Relatively Low compared to US average

11225
Minimal Estimated LossMax Estimated Loss

Heat Wave

$1,394,015

Expected Annual Loss for Zip Code 11225

85.2Score

Relatively High compared to US average

11225
Minimal Estimated LossMax Estimated Loss

Earthquake

$1,260,159

Expected Annual Loss for Zip Code 11225

75.6Score

Relatively Moderate compared to US average

11225
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
$2,844,983
Score: 19.0
MAJOR DRIVER
Heat Wave
$1,394,015
Score: 85.2
MAJOR DRIVER
Earthquake
$1,260,159
Score: 75.6
Hurricane
$636,341
Score: 71.8
Cold Wave
$498,713
Score: 50.0
Strong Wind
$213,713
Score: 57.1
Tornado
$129,967
Score: 26.1
Hail
$41,230
Score: 40.7
Winter Weather
$40,115
Score: 60.9
Lightning
$37,591
Score: 23.1
Ice Storm
$16,427
Score: 23.2
Landslide
$6
Score: 12.4

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: 19.0
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 85.2
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 75.6

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 11226Zip Code 11213Zip Code 11216Zip Code 11203Zip Code 11238Zip Code 11218