Climate Risk Summary

Zip Code 44663, Risk Profile

The primary drivers of climate-related financial risk in New Philadelphia, OH (44663) are Inland Flooding, Hail, 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

$5,199,905

Expected Annual Loss for Zip Code 44663

57.4Score

Relatively High compared to US average

44663
Minimal Estimated LossMax Estimated Loss

Hail

$254,904

Expected Annual Loss for Zip Code 44663

77.2Score

Relatively Moderate compared to US average

44663
Minimal Estimated LossMax Estimated Loss

Tornado

$233,236

Expected Annual Loss for Zip Code 44663

38.5Score

Relatively Low compared to US average

44663
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
$5,199,905
Score: 57.4
MAJOR DRIVER
Hail
$254,904
Score: 77.2
MAJOR DRIVER
Tornado
$233,236
Score: 38.5
Heat Wave
$158,096
Score: 32.2
Lightning
$156,783
Score: 70.2
Strong Wind
$150,827
Score: 56.2
Earthquake
$83,367
Score: 29.7
Cold Wave
$79,096
Score: 25.2
Drought
$72,018
Score: 67.8
Ice Storm
$58,432
Score: 62.7
Winter Weather
$27,470
Score: 59.1
Hurricane
$11,267
Score: 37.6
Wildfire
$5,409
Score: 56.4
Landslide
$2,657
Score: 68.6

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: 57.4
🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 77.2
🌪️High Investment

Tornado Mitigation

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

Risk Score: 38.5

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 44622Zip Code 44629Zip Code 44653Zip Code 44682Zip Code 43840Zip Code 44683
44663 Climate Risk Report | New Philadelphia, OH