Climate Risk Summary

Philadelphia, PA Risk Profile

The primary drivers of climate-related financial risk in Philadelphia, PA are Heat Wave, Inland Flooding, and Cold Wave.

City-Wide Aggregation

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

Primary Risks

Heat Wave

$256,419,434

Expected Annual Loss for Philadelphia

98.3Score

Very High compared to US average

Philadelphia
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$266,057,136

Expected Annual Loss for Philadelphia

59.3Score

Very High compared to US average

Philadelphia
Minimal Estimated LossMax Estimated Loss

Cold Wave

$57,040,490

Expected Annual Loss for Philadelphia

81.1Score

Relatively High compared to US average

Philadelphia
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Heat Wave
$256,419,434
Score: 98.3
MAJOR DRIVER
Inland Flooding
$266,057,136
Score: 59.3
MAJOR DRIVER
Cold Wave
$57,040,490
Score: 81.1
Earthquake
$41,629,466
Score: 74.2
Tornado
$21,102,550
Score: 52.0
Hurricane
$12,020,719
Score: 63.8
Strong Wind
$3,500,793
Score: 40.9
Winter Weather
$1,935,182
Score: 71.8
Hail
$2,055,138
Score: 47.2
Lightning
$1,500,298
Score: 29.4
Ice Storm
$988,753
Score: 39.1
Coastal Flooding
$2,801,833
Score: 4.4
Wildfire
$8,805
Score: 5.3
Landslide
$7,168
Score: 41.4
Drought
$4,120
Score: 3.2

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

☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 98.3
💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 59.3
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 81.1
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 74.2
🌪️High Investment

Tornado Mitigation

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

Risk Score: 52.0
🌀High Investment

Hurricane Mitigation

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

Risk Score: 63.8
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 71.8

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)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

CamdenPalmyraBala CynwydCheltenham VillageElkins Park

Zip Codes in Philadelphia

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