Climate Risk Summary

Zip Code 84633, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, UT (84633) are Avalanche, Wildfire, and Earthquake. This area also faces an unusually high intensity for Drought, Lightning, and Landslide 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

Avalanche

$1,132,210

Expected Annual Loss for Zip Code 84633

91.0Score

Relatively Moderate compared to US average

84633
Minimal Estimated LossMax Estimated Loss

Wildfire

$905,479

Expected Annual Loss for Zip Code 84633

99.6Score

Very High compared to US average

84633 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Earthquake

$273,964

Expected Annual Loss for Zip Code 84633

88.0Score

Relatively Moderate compared to US average

84633
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Avalanche
$1,132,210
Score: 91.0
MAJOR DRIVER
Wildfire
$905,479
Score: 99.6
MAJOR DRIVER
Earthquake
$273,964
Score: 88.0
Inland Flooding
$167,383
Score: 32.2
UNUSUALLY HIGH
Drought
$45,582
Score: 96.0
Heat Wave
$25,547
Score: 66.3
UNUSUALLY HIGH
Lightning
$20,402
Score: 91.9
Strong Wind
$9,457
Score: 59.3
Tornado
$7,310
Score: 30.2
Cold Wave
$3,792
Score: 23.7
Winter Weather
$2,672
Score: 72.7
Hail
$784
Score: 29.6
Ice Storm
$480
Score: 15.8
UNUSUALLY HIGH
Landslide
$118
Score: 87.1
Volcanic Activity
$0
Score: 65.2

Recommended Mitigation Strategies

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: 91.0
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 99.6
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.0
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 96.0
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.9
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 87.1

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 84655Zip Code 84626Zip Code 84645Zip Code 84660Zip Code 84651Zip Code 84648