Climate Risk Summary

Zip Code 12189, Risk Profile

The primary drivers of climate-related financial risk in Watervliet, NY (12189) are Inland Flooding, Tornado, 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

$2,856,726

Expected Annual Loss for Zip Code 12189

43.5Score

Relatively Moderate compared to US average

12189
Minimal Estimated LossMax Estimated Loss

Tornado

$359,603

Expected Annual Loss for Zip Code 12189

50.9Score

Relatively Moderate compared to US average

12189
Minimal Estimated LossMax Estimated Loss

Hurricane

$186,250

Expected Annual Loss for Zip Code 12189

63.1Score

Relatively Low compared to US average

12189
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
$2,856,726
Score: 43.5
MAJOR DRIVER
Tornado
$359,603
Score: 50.9
MAJOR DRIVER
Hurricane
$186,250
Score: 63.1
Cold Wave
$129,951
Score: 34.3
Strong Wind
$90,543
Score: 49.7
Earthquake
$88,667
Score: 35.9
Lightning
$75,707
Score: 55.9
Heat Wave
$73,986
Score: 19.6
Ice Storm
$40,794
Score: 60.5
Hail
$28,046
Score: 44.5
Winter Weather
$5,943
Score: 33.7
Wildfire
$998
Score: 39.8
Landslide
$210
Score: 57.3

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: 43.5
🌪️High Investment

Tornado Mitigation

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

Risk Score: 50.9
🌀High Investment

Hurricane Mitigation

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

Risk Score: 63.1

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

Nearby Locations

Zip Code 12110Zip Code 12211Zip Code 12183Zip Code 12047Zip Code 12180Zip Code 12204