Climate Risk Summary

Zip Code 12775, Risk Profile

The primary drivers of climate-related financial risk in Rock Hill, NY (12775) are Inland Flooding, Cold Wave, and Tornado.

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

$550,304

Expected Annual Loss for Zip Code 12775

66.0Score

Relatively Moderate compared to US average

12775
Minimal Estimated LossMax Estimated Loss

Cold Wave

$90,521

Expected Annual Loss for Zip Code 12775

73.8Score

Relatively Moderate compared to US average

12775
Minimal Estimated LossMax Estimated Loss

Tornado

$74,025

Expected Annual Loss for Zip Code 12775

60.3Score

Relatively Moderate compared to US average

12775
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
$550,304
Score: 66.0
MAJOR DRIVER
Cold Wave
$90,521
Score: 73.8
MAJOR DRIVER
Tornado
$74,025
Score: 60.3
Hurricane
$49,033
Score: 73.8
Strong Wind
$23,452
Score: 69.8
Earthquake
$20,609
Score: 49.9
Lightning
$16,741
Score: 73.9
Heat Wave
$6,452
Score: 12.1
Winter Weather
$3,051
Score: 62.9
Ice Storm
$3,005
Score: 47.2
Hail
$2,116
Score: 35.9
Wildfire
$116
Score: 46.1
Landslide
$43
Score: 77.7

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: 66.0
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 73.8
🌪️High Investment

Tornado Mitigation

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

Risk Score: 60.3

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 12738Zip Code 12701Zip Code 12790Zip Code 12763Zip Code 12784Zip Code 12789
12775 Climate Risk Report | Rock Hill, NY