Climate Risk Summary

Palo Alto, PA Risk Profile

The primary drivers of climate-related financial risk in Palo Alto, PA are Inland Flooding, Cold Wave, and Tornado. This area also faces an unusually high intensity for Landslide compared to national averages.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$365,085

Expected Annual Loss for Palo Alto

20.8Score

Relatively Low compared to US average

Palo Alto
Minimal Estimated LossMax Estimated Loss

Cold Wave

$28,118

Expected Annual Loss for Palo Alto

34.1Score

Relatively Low compared to US average

Palo Alto
Minimal Estimated LossMax Estimated Loss

Tornado

$16,824

Expected Annual Loss for Palo Alto

27.5Score

Very Low compared to US average

Palo Alto
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$365,085
Score: 20.8
MAJOR DRIVER
Cold Wave
$28,118
Score: 34.1
MAJOR DRIVER
Tornado
$16,824
Score: 27.5
Strong Wind
$16,742
Score: 45.8
Hurricane
$15,489
Score: 54.1
Heat Wave
$9,676
Score: 10.5
Lightning
$8,236
Score: 36.5
Winter Weather
$7,040
Score: 70.7
Earthquake
$5,466
Score: 17.4
Ice Storm
$1,151
Score: 12.7
Hail
$233
Score: 5.0
UNUSUALLY HIGH
Landslide
$143
Score: 82.4
Wildfire
$130
Score: 41.1

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🌀High Investment

Hurricane Mitigation

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

Risk Score: 54.1
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 70.7
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 82.4

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

CressonaNew PhiladelphiaOrwigsburgPort CarbonPottsville

Zip Codes in Palo Alto

1790117965