Climate Risk Summary

Zip Code 19008, Risk Profile

The primary drivers of climate-related financial risk in Broomall, PA (19008) are Inland Flooding, Heat Wave, and Tornado. This area also faces an unusually high intensity for Winter Weather compared to national averages.

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

$2,061,922

Expected Annual Loss for Zip Code 19008

43.7Score

Relatively High compared to US average

19008
Minimal Estimated LossMax Estimated Loss

Heat Wave

$404,899

Expected Annual Loss for Zip Code 19008

78.9Score

Relatively High compared to US average

19008
Minimal Estimated LossMax Estimated Loss

Tornado

$330,430

Expected Annual Loss for Zip Code 19008

55.3Score

Relatively Moderate compared to US average

19008
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
$2,061,922
Score: 43.7
MAJOR DRIVER
Heat Wave
$404,899
Score: 78.9
MAJOR DRIVER
Tornado
$330,430
Score: 55.3
Earthquake
$322,085
Score: 70.0
Cold Wave
$268,508
Score: 57.4
Hurricane
$220,217
Score: 69.8
Strong Wind
$177,001
Score: 75.7
UNUSUALLY HIGH
Winter Weather
$71,458
Score: 90.7
Lightning
$68,090
Score: 62.8
Ice Storm
$26,872
Score: 58.9
Hail
$1,308
Score: 9.2
Drought
$1,257
Score: 3.3
Wildfire
$166
Score: 29.6
Landslide
$88
Score: 64.6

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: 43.7
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 78.9
🌪️High Investment

Tornado Mitigation

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

Risk Score: 55.3
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.7

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 19063Zip Code 19073Zip Code 19064Zip Code 19010Zip Code 19041Zip Code 19083