Climate Risk Summary

Clearfield, UT Risk Profile

The primary drivers of climate-related financial risk in Clearfield, UT are Earthquake, Inland Flooding, and Lightning.

City-Wide Aggregation

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

Primary Risks

Earthquake

$11,312,194

Expected Annual Loss for Clearfield

87.3Score

Very High compared to US average

Clearfield
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,189,875

Expected Annual Loss for Clearfield

5.2Score

Relatively Low compared to US average

Clearfield
Minimal Estimated LossMax Estimated Loss

Lightning

$390,952

Expected Annual Loss for Clearfield

86.1Score

Very High compared to US average

Clearfield
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$11,312,194
Score: 87.3
MAJOR DRIVER
Inland Flooding
$1,189,875
Score: 5.2
MAJOR DRIVER
Lightning
$390,952
Score: 86.1
Heat Wave
$348,568
Score: 48.6
Strong Wind
$313,586
Score: 63.6
Cold Wave
$155,833
Score: 29.6
Tornado
$102,236
Score: 21.9
Winter Weather
$55,855
Score: 68.7
Hail
$10,049
Score: 21.9
Drought
$6,035
Score: 45.6
Ice Storm
$7,451
Score: 9.4
Wildfire
$3,806
Score: 37.8
Landslide
$2
Score: 14.9

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

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 87.3
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.1
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 63.6
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 68.7

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

ClintonLaytonRiverdaleRoySouth Weber

Zip Codes in Clearfield

84015840418405684075