Climate Risk Summary

Zip Code 12589, Risk Profile

The primary drivers of climate-related financial risk in Wallkill, NY (12589) are Inland Flooding, Hurricane, 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

$2,397,830

Expected Annual Loss for Zip Code 12589

53.5Score

Relatively High compared to US average

12589

Minimal Estimated LossMax Estimated Loss

Hurricane

$431,992

Expected Annual Loss for Zip Code 12589

78.8Score

Relatively Moderate compared to US average

12589

Minimal Estimated LossMax Estimated Loss

Tornado

$425,305

Expected Annual Loss for Zip Code 12589

62.2Score

Relatively High compared to US average

12589

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

$2,397,830

Score: 53.5

MAJOR DRIVER

Hurricane

$431,992

Score: 78.8

MAJOR DRIVER

Tornado

$425,305

Score: 62.2

Cold Wave

$255,695

Score: 59.6

Strong Wind

$194,906

Score: 79.9

Earthquake

$192,895

Score: 58.9

Heat Wave

$73,478

Score: 32.0

Hail

$70,566

Score: 62.3

Lightning

$65,229

Score: 65.5

Ice Storm

$19,335

Score: 51.3

Drought

$18,976

Score: 72.2

Winter Weather

$11,832

Score: 55.6

Wildfire

$5,963

Score: 68.9

Coastal Flooding

$4,187

Score: 7.5

Landslide

$413

Score: 78.5

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: 53.5

🌀High Investment

Hurricane Mitigation

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

Risk Score: 78.8

🌪️High Investment

Tornado Mitigation

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

Risk Score: 62.2

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 12525 Zip Code 12586 Zip Code 12548 Zip Code 12561 Zip Code 12550 Zip Code 12575