Climate Risk Summary

Prattsville, NY Risk Profile

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

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Prattsville.

Primary Risks

Inland Flooding

$688,186

Expected Annual Loss for Prattsville

86.5Score

Relatively High compared to US average

Prattsville

Minimal Estimated LossMax Estimated Loss

Hurricane

$21,627

Expected Annual Loss for Prattsville

66.2Score

Relatively Low compared to US average

Prattsville

Minimal Estimated LossMax Estimated Loss

Cold Wave

$19,155

Expected Annual Loss for Prattsville

42.7Score

Relatively Low compared to US average

Prattsville

Minimal Estimated LossMax Estimated Loss

City Boundary

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$688,186

Score: 86.5

MAJOR DRIVER

Hurricane

$21,627

Score: 66.2

MAJOR DRIVER

Cold Wave

$19,155

Score: 42.7

Tornado

$18,175

Score: 39.8

Hail

$4,179

Score: 52.8

Earthquake

$3,575

Score: 22.6

Avalanche

$3,458

Score: 64.5

Strong Wind

$3,319

Score: 27.2

Lightning

$2,672

Score: 29.3

Ice Storm

$683

Score: 18.3

Winter Weather

$655

Score: 36.1

Heat Wave

$548

Score: 2.4

UNUSUALLY HIGH

Landslide

$242

Score: 89.4

Wildfire

$37

Score: 36.5

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: 86.5

🌀High Investment

Hurricane Mitigation

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

Risk Score: 66.2

🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 52.8

🏠Low Investment

Avalanche Mitigation

General property maintenance and insurance review recommended.

Risk Score: 64.5

⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 89.4

Sources and Methodology

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 Cities

Central Bridge Cobleskill East Durham Margaretville Richmondville

Zip Codes in Prattsville

12468