Climate Risk Summary

Zip Code 11958, Risk Profile

The primary drivers of climate-related financial risk in Peconic, NY (11958) are Inland Flooding, Hurricane, and Coastal Flooding.

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

$184,406

Expected Annual Loss for Zip Code 11958

28.9Score

Relatively Low compared to US average

11958
Minimal Estimated LossMax Estimated Loss

Hurricane

$151,716

Expected Annual Loss for Zip Code 11958

86.7Score

Relatively Moderate compared to US average

11958
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$28,535

Expected Annual Loss for Zip Code 11958

93.4Score

Relatively Moderate compared to US average

11958
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
$184,406
Score: 28.9
MAJOR DRIVER
Hurricane
$151,716
Score: 86.7
MAJOR DRIVER
Coastal Flooding
$28,535
Score: 93.4
Earthquake
$14,382
Score: 49.9
Cold Wave
$8,767
Score: 29.9
Tornado
$4,215
Score: 20.7
Heat Wave
$3,659
Score: 9.5
Strong Wind
$2,768
Score: 25.0
Lightning
$1,855
Score: 22.7
Hail
$1,777
Score: 38.8
Wildfire
$1,458
Score: 76.0
Ice Storm
$1,433
Score: 37.0
Winter Weather
$1,375
Score: 52.3
Landslide
$30
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: 28.9
🌀High Investment

Hurricane Mitigation

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

Risk Score: 86.7
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 93.4

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

Nearby Locations

Zip Code 11935Zip Code 11971Zip Code 11956Zip Code 11952Zip Code 11944Zip Code 11965