Climate Risk Summary

Endicott, NY Risk Profile

The primary drivers of climate-related financial risk in Endicott, NY are Inland Flooding, Tornado, and Cold Wave.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$2,434,340

Expected Annual Loss for Endicott

60.1Score

Relatively Moderate compared to US average

Endicott

Minimal Estimated LossMax Estimated Loss

Tornado

$295,451

Expected Annual Loss for Endicott

56.6Score

Relatively Moderate compared to US average

Endicott

Minimal Estimated LossMax Estimated Loss

Cold Wave

$140,181

Expected Annual Loss for Endicott

46.0Score

Relatively Moderate compared to US average

Endicott

Minimal Estimated LossMax Estimated Loss

City Boundary

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$2,434,340

Score: 60.1

MAJOR DRIVER

Tornado

$295,451

Score: 56.6

MAJOR DRIVER

Cold Wave

$140,181

Score: 46.0

Hurricane

$85,462

Score: 59.5

Earthquake

$67,781

Score: 39.7

Heat Wave

$56,777

Score: 25.6

Lightning

$55,045

Score: 61.6

Strong Wind

$37,266

Score: 39.4

Winter Weather

$25,766

Score: 75.8

Ice Storm

$15,513

Score: 48.0

Hail

$13,729

Score: 40.9

Wildfire

$281

Score: 37.8

Landslide

$10

Score: 40.1

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: 60.1

🌪️High Investment

Tornado Mitigation

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

Risk Score: 56.6

🌀High Investment

Hurricane Mitigation

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

Risk Score: 59.5

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 61.6

🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 75.8

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

FEMA National Risk IndexHazard frequency and loss data (v1.20.0 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

Apalachin Binghamton Crest View Heights Endwell Johnson City

Zip Codes in Endicott

13760