Climate Risk Summary

Zip Code 12788, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, NY (12788) are Inland Flooding, Cold Wave, and Tornado. This area also faces an unusually high intensity for Landslide compared to national averages.

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

$1,106,720

Expected Annual Loss for Zip Code 12788

83.7Score

Relatively High compared to US average

12788

Minimal Estimated LossMax Estimated Loss

Cold Wave

$89,217

Expected Annual Loss for Zip Code 12788

67.3Score

Relatively Moderate compared to US average

12788

Minimal Estimated LossMax Estimated Loss

Tornado

$77,832

Expected Annual Loss for Zip Code 12788

56.2Score

Relatively Moderate compared to US average

12788

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

$1,106,720

Score: 83.7

MAJOR DRIVER

Cold Wave

$89,217

Score: 67.3

MAJOR DRIVER

Tornado

$77,832

Score: 56.2

Hurricane

$58,460

Score: 72.5

Strong Wind

$25,987

Score: 65.5

Earthquake

$19,200

Score: 42.3

Lightning

$16,467

Score: 65.0

Heat Wave

$6,389

Score: 8.8

Hail

$4,451

Score: 43.9

Ice Storm

$3,452

Score: 43.8

Winter Weather

$3,259

Score: 58.1

Wildfire

$316

Score: 55.2

UNUSUALLY HIGH

Landslide

$80

Score: 80.2

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: 83.7

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 67.3

🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 56.2

⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 80.2

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

FEMA National Risk IndexHazard frequency and loss data (v1.20.0 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 12740 Zip Code 12759 Zip Code 12747 Zip Code 12765 Zip Code 12789 Zip Code 12733