Climate Risk Summary

Ontario, OR Risk Profile

The primary drivers of climate-related financial risk in Ontario, OR are Inland Flooding, Earthquake, and Heat Wave. This area also faces an unusually high intensity for Hail and Winter Weather compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Ontario.

Primary Risks

Inland Flooding

$1,276,700

Expected Annual Loss for Ontario

71.4Score

Relatively High compared to US average

Ontario
Minimal Estimated LossMax Estimated Loss

Earthquake

$400,571

Expected Annual Loss for Ontario

80.7Score

Relatively Moderate compared to US average

Ontario
Minimal Estimated LossMax Estimated Loss

Heat Wave

$121,955

Expected Annual Loss for Ontario

76.2Score

Relatively Moderate compared to US average

Ontario
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$1,276,700
Score: 71.4
MAJOR DRIVER
Earthquake
$400,571
Score: 80.7
MAJOR DRIVER
Heat Wave
$121,955
Score: 76.2
UNUSUALLY HIGH
Hail
$58,176
Score: 80.5
UNUSUALLY HIGH
Winter Weather
$53,385
Score: 97.3
Strong Wind
$28,637
Score: 56.3
Lightning
$24,976
Score: 64.8
Cold Wave
$15,889
Score: 25.3
Wildfire
$12,271
Score: 67.5
Tornado
$13,470
Score: 22.2
Ice Storm
$2,489
Score: 24.5
Drought
$163
Score: 72.3
Volcanic Activity
$4
Score: 77.6
Landslide
$1
Score: 18.7

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: 71.4
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.7
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 76.2
🧊Medium Investment

Hail Mitigation

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

Risk Score: 80.5
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 97.3
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 56.3
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 64.8
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 67.5
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.3
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 77.6

Sources and Methodology

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 Cities

CaldwellFruitlandHomedaleNew PlymouthPayette

Zip Codes in Ontario

97914