Climate Risk Summary

Elk Ridge, UT Risk Profile

The primary drivers of climate-related financial risk in Elk Ridge, UT are Avalanche, Wildfire, and Inland Flooding. This area also faces an unusually high intensity for Lightning, Drought, and Landslide compared to national averages.

City-Wide Aggregation

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

Primary Risks

Avalanche

$1,132,219

Expected Annual Loss for Elk Ridge

89.1Score

Relatively Moderate compared to US average

Elk Ridge
Minimal Estimated LossMax Estimated Loss

Wildfire

$709,576

Expected Annual Loss for Elk Ridge

99.2Score

Very High compared to US average

Elk Ridge (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$256,076

Expected Annual Loss for Elk Ridge

41.6Score

Relatively Low compared to US average

Elk Ridge
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Avalanche
$1,132,219
Score: 89.1
MAJOR DRIVER
Wildfire
$709,576
Score: 99.2
MAJOR DRIVER
Inland Flooding
$256,076
Score: 41.6
Earthquake
$54,439
Score: 74.1
Heat Wave
$31,427
Score: 65.5
UNUSUALLY HIGH
Lightning
$28,421
Score: 93.3
Tornado
$11,299
Score: 32.7
Strong Wind
$7,331
Score: 45.6
Cold Wave
$4,339
Score: 23.1
Winter Weather
$4,114
Score: 77.1
UNUSUALLY HIGH
Drought
$1,200
Score: 82.3
Hail
$803
Score: 27.0
Ice Storm
$575
Score: 14.8
UNUSUALLY HIGH
Landslide
$296
Score: 90.2
Volcanic Activity
$1
Score: 66.9

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

🏠Low Investment

Avalanche Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.1
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 99.2
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 74.1
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 65.5
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 93.3
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 77.1
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.3
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 90.2
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 66.9

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

Lake ShoreMapletonPalmyraPaysonSalem

Zip Codes in Elk Ridge

8465184653