Climate Risk Summary

Zip Code 15904, Risk Profile

The primary drivers of climate-related financial risk in Belmont, PA (15904) are Inland Flooding, Cold Wave, 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

$1,866,448

Expected Annual Loss for Zip Code 15904

29.5Score

Relatively Moderate compared to US average

15904
Minimal Estimated LossMax Estimated Loss

Cold Wave

$254,248

Expected Annual Loss for Zip Code 15904

51.5Score

Relatively Moderate compared to US average

15904
Minimal Estimated LossMax Estimated Loss

Tornado

$241,184

Expected Annual Loss for Zip Code 15904

45.9Score

Relatively Moderate compared to US average

15904
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
$1,866,448
Score: 29.5
MAJOR DRIVER
Cold Wave
$254,248
Score: 51.5
MAJOR DRIVER
Tornado
$241,184
Score: 45.9
Strong Wind
$139,114
Score: 65.1
Hurricane
$118,664
Score: 59.5
Lightning
$108,606
Score: 71.3
Hail
$84,747
Score: 66.2
Earthquake
$49,165
Score: 28.5
Winter Weather
$19,329
Score: 60.8
Heat Wave
$8,434
Score: 3.0
Ice Storm
$5,955
Score: 17.6
Wildfire
$2,426
Score: 55.5
Landslide
$954
Score: 73.4

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: 29.5
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 51.5
🌪️High Investment

Tornado Mitigation

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

Risk Score: 45.9

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

Nearby Locations

Zip Code 15902Zip Code 15956Zip Code 15952Zip Code 15963Zip Code 15934Zip Code 15909