Climate Risk Summary

Zip Code 84319, Risk Profile

The primary drivers of climate-related financial risk in Hyrum, UT (84319) are Earthquake, Inland Flooding, and Cold Wave. This area also faces an unusually high intensity for Lightning, Winter Weather, Wildfire, and Drought compared to national averages.

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

Earthquake

$551,896

Expected Annual Loss for Zip Code 84319

81.1Score

Relatively Moderate compared to US average

84319
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$293,709

Expected Annual Loss for Zip Code 84319

4.5Score

Very Low compared to US average

84319
Minimal Estimated LossMax Estimated Loss

Cold Wave

$82,210

Expected Annual Loss for Zip Code 84319

44.8Score

Relatively Low compared to US average

84319
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$551,896
Score: 81.1
MAJOR DRIVER
Inland Flooding
$293,709
Score: 4.5
MAJOR DRIVER
Cold Wave
$82,210
Score: 44.8
UNUSUALLY HIGH
Lightning
$70,787
Score: 84.6
UNUSUALLY HIGH
Winter Weather
$42,071
Score: 93.1
Heat Wave
$38,223
Score: 27.6
UNUSUALLY HIGH
Wildfire
$29,977
Score: 83.8
Tornado
$19,163
Score: 22.1
Strong Wind
$15,853
Score: 31.2
UNUSUALLY HIGH
Drought
$5,148
Score: 82.7
Hail
$3,355
Score: 27.9
Ice Storm
$1,142
Score: 6.6
Landslide
$78
Score: 73.3

Recommended Mitigation Strategies

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: 81.1
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 4.5
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 44.8
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 84.6
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 93.1
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 83.8
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.7

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

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 84321Zip Code 84328Zip Code 84326Zip Code 84332Zip Code 84317Zip Code 84339