Climate Risk Summary

Zip Code 11703, Risk Profile

The primary drivers of climate-related financial risk in North Babylon, NY (11703) are Inland Flooding, Hurricane, 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

$1,571,109

Expected Annual Loss for Zip Code 11703

33.5Score

Relatively Low compared to US average

11703
Minimal Estimated LossMax Estimated Loss

Hurricane

$274,896

Expected Annual Loss for Zip Code 11703

74.3Score

Relatively Low compared to US average

11703
Minimal Estimated LossMax Estimated Loss

Earthquake

$177,979

Expected Annual Loss for Zip Code 11703

59.7Score

Relatively Low compared to US average

11703
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
$1,571,109
Score: 33.5
MAJOR DRIVER
Hurricane
$274,896
Score: 74.3
MAJOR DRIVER
Earthquake
$177,979
Score: 59.7
Cold Wave
$141,920
Score: 43.9
Heat Wave
$67,931
Score: 27.4
Strong Wind
$58,017
Score: 48.7
Lightning
$31,608
Score: 42.0
Tornado
$21,140
Score: 14.5
Winter Weather
$19,574
Score: 67.7
Ice Storm
$18,069
Score: 50.9
Hail
$1,038
Score: 8.0
Wildfire
$168
Score: 27.6
Coastal Flooding
$113
Score: 13.5
Landslide
$1
Score: 26.6

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: 33.5
🌀High Investment

Hurricane Mitigation

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

Risk Score: 74.3
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 59.7

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 11795Zip Code 11704Zip Code 11729Zip Code 11702Zip Code 11706Zip Code 11798
11703 Climate Risk Report | North Babylon, NY