Climate Risk Summary

Zip Code 16143, Risk Profile

The primary drivers of climate-related financial risk in New Bedford, PA (16143) are Inland Flooding, Tornado, and Lightning.

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

$625,148

Expected Annual Loss for Zip Code 16143

77.9Score

Relatively High compared to US average

16143
Minimal Estimated LossMax Estimated Loss

Tornado

$21,214

Expected Annual Loss for Zip Code 16143

43.1Score

Relatively Low compared to US average

16143
Minimal Estimated LossMax Estimated Loss

Lightning

$15,077

Expected Annual Loss for Zip Code 16143

80.7Score

Relatively High compared to US average

16143
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
$625,148
Score: 77.9
MAJOR DRIVER
Tornado
$21,214
Score: 43.1
MAJOR DRIVER
Lightning
$15,077
Score: 80.7
Strong Wind
$14,757
Score: 65.4
Hail
$9,063
Score: 65.7
Cold Wave
$4,148
Score: 23.2
Earthquake
$3,969
Score: 23.8
Hurricane
$3,718
Score: 48.7
Heat Wave
$2,385
Score: 5.8
Winter Weather
$2,265
Score: 62.1
Ice Storm
$917
Score: 25.4
Wildfire
$377
Score: 64.3
Landslide
$17
Score: 73.2

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: 77.9
🌪️High Investment

Tornado Mitigation

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

Risk Score: 43.1
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.7

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

Nearby Locations

Zip Code 16142Zip Code 16159Zip Code 16116Zip Code 16140Zip Code 16155Zip Code 16105
16143 Climate Risk Report | New Bedford, PA