Climate Risk Summary

Zip Code 14013, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, NY (14013) are Inland Flooding, Drought, and Lightning.

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

$557,682

Expected Annual Loss for Zip Code 14013

44.5Score

Relatively Moderate compared to US average

14013
Minimal Estimated LossMax Estimated Loss

Drought

$47,243

Expected Annual Loss for Zip Code 14013

92.6Score

Relatively Moderate compared to US average

14013
Minimal Estimated LossMax Estimated Loss

Lightning

$39,383

Expected Annual Loss for Zip Code 14013

81.1Score

Relatively High compared to US average

14013
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
$557,682
Score: 44.5
MAJOR DRIVER
Drought
$47,243
Score: 92.6
MAJOR DRIVER
Lightning
$39,383
Score: 81.1
Strong Wind
$27,413
Score: 61.0
Cold Wave
$25,012
Score: 34.9
Hail
$23,916
Score: 68.6
Tornado
$18,443
Score: 28.4
Ice Storm
$14,742
Score: 73.3
Hurricane
$14,712
Score: 53.4
Heat Wave
$7,893
Score: 10.7
Earthquake
$6,510
Score: 20.8
Winter Weather
$1,032
Score: 32.4
Wildfire
$277
Score: 50.3
Landslide
$4
Score: 51.4

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: 44.5
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.6
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 81.1

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 14036Zip Code 14105Zip Code 14125Zip Code 14001Zip Code 14103Zip Code 14020
14013 Climate Risk Report | Unincorporated, NY