Climate Risk Summary

Zip Code 12550, Risk Profile

The primary drivers of climate-related financial risk in Newburgh, NY (12550) are Inland Flooding, Hurricane, 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

$8,099,657

Expected Annual Loss for Zip Code 12550

49.6Score

Relatively High compared to US average

12550
Minimal Estimated LossMax Estimated Loss

Hurricane

$1,015,257

Expected Annual Loss for Zip Code 12550

74.1Score

Relatively Moderate compared to US average

12550
Minimal Estimated LossMax Estimated Loss

Cold Wave

$929,233

Expected Annual Loss for Zip Code 12550

59.2Score

Relatively Moderate compared to US average

12550
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
$8,099,657
Score: 49.6
MAJOR DRIVER
Hurricane
$1,015,257
Score: 74.1
MAJOR DRIVER
Cold Wave
$929,233
Score: 59.2
Tornado
$609,161
Score: 44.9
Earthquake
$499,291
Score: 55.1
Strong Wind
$369,618
Score: 65.2
Heat Wave
$337,410
Score: 37.8
Lightning
$144,352
Score: 49.7
Winter Weather
$78,402
Score: 70.8
Ice Storm
$35,185
Score: 34.8
Coastal Flooding
$28,054
Score: 26.6
Hail
$15,334
Score: 23.8
Wildfire
$1,776
Score: 24.5
Landslide
$1,009
Score: 63.9
Drought
$173
Score: 12.1

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: 49.6
🌀High Investment

Hurricane Mitigation

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

Risk Score: 74.1
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 59.2

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

Nearby Locations

Zip Code 12589Zip Code 12553Zip Code 12542Zip Code 12586Zip Code 12508Zip Code 12590