Climate Risk Summary

Zip Code 10562, Risk Profile

The primary drivers of climate-related financial risk in Ossining, NY (10562) 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

$3,265,982

Expected Annual Loss for Zip Code 10562

33.5Score

Relatively Moderate compared to US average

10562
Minimal Estimated LossMax Estimated Loss

Hurricane

$428,596

Expected Annual Loss for Zip Code 10562

69.2Score

Relatively Moderate compared to US average

10562
Minimal Estimated LossMax Estimated Loss

Cold Wave

$375,321

Expected Annual Loss for Zip Code 10562

50.4Score

Relatively Moderate compared to US average

10562
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
$3,265,982
Score: 33.5
MAJOR DRIVER
Hurricane
$428,596
Score: 69.2
MAJOR DRIVER
Cold Wave
$375,321
Score: 50.4
Strong Wind
$251,075
Score: 69.5
Earthquake
$248,768
Score: 50.4
Heat Wave
$228,588
Score: 43.2
Coastal Flooding
$117,206
Score: 40.0
Lightning
$84,370
Score: 50.2
Tornado
$79,344
Score: 22.7
Winter Weather
$41,911
Score: 69.1
Ice Storm
$30,207
Score: 45.1
Landslide
$4,056
Score: 73.8
Hail
$4,035
Score: 14.8
Wildfire
$1,712
Score: 22.7

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: 69.2
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 50.4

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 10545Zip Code 10546Zip Code 10520Zip Code 10510Zip Code 10514Zip Code 10598
10562 Climate Risk Report | Ossining, NY