Climate Risk Summary

Zip Code 10960, Risk Profile

The primary drivers of climate-related financial risk in Blauvelt, NY (10960) are Inland Flooding, Earthquake, and Hurricane.

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

$677,878

Expected Annual Loss for Zip Code 10960

15.0Score

Relatively Low compared to US average

10960

Minimal Estimated LossMax Estimated Loss

Earthquake

$155,157

Expected Annual Loss for Zip Code 10960

62.6Score

Relatively Low compared to US average

10960

Minimal Estimated LossMax Estimated Loss

Hurricane

$137,120

Expected Annual Loss for Zip Code 10960

68.8Score

Relatively Low compared to US average

10960

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

$677,878

Score: 15.0

MAJOR DRIVER

Earthquake

$155,157

Score: 62.6

MAJOR DRIVER

Hurricane

$137,120

Score: 68.8

Cold Wave

$114,134

Score: 45.7

Tornado

$85,154

Score: 38.0

Strong Wind

$84,627

Score: 67.1

Heat Wave

$64,948

Score: 34.7

Coastal Flooding

$35,296

Score: 43.3

Lightning

$28,301

Score: 47.3

Winter Weather

$14,329

Score: 67.2

Ice Storm

$9,221

Score: 40.7

Hail

$1,089

Score: 11.5

Wildfire

$123

Score: 13.9

Landslide

$25

Score: 47.1

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: 15.0

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 62.6

🌀High Investment

Hurricane Mitigation

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

Risk Score: 68.8

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 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 10913 Zip Code 10989 Zip Code 10994 Zip Code 10962 Zip Code 10968 Zip Code 10920