Climate Risk Summary

Zip Code 84401, Risk Profile

The primary drivers of climate-related financial risk in Ogden, UT (84401) are Earthquake, Inland Flooding, and Lightning.

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

$14,844,641

Expected Annual Loss for Zip Code 84401

89.7Score

Very High compared to US average

84401
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$3,364,054

Expected Annual Loss for Zip Code 84401

16.2Score

Relatively Low compared to US average

84401
Minimal Estimated LossMax Estimated Loss

Lightning

$440,332

Expected Annual Loss for Zip Code 84401

84.4Score

Relatively High compared to US average

84401
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

FEMA Flood Zones
FloodwayHighest Risk / Active Channel
High Risk (100-Year)1% Annual Chance Flood
Moderate Risk (500-Year)0.2% Annual Chance Flood
NRI Risk Index
Very Low
Low
Moderate
High
Very High
Extreme

Flood Plain Analysis

Localized Flood Dynamics in 84401

FEMA Flood Maps for 84401 identify the "100-year" and "500-year" floodplains (1% and 0.2% annual chance), but modern climate risk analysis suggests that nearly 25% of flood insurance claims originate from properties outside of these designated high-risk zones.

Use the map above to better understand risk by looking at both the FEMA flood plain maps and FEMA Risk Inventory maps by census tract. Standard FEMA maps may not account for 'flash flooding' from intense rain events.
FEMA Designation vs. Reality
Relatively Low
Relative Vulnerability
$3,364,054
Annualized Property Exposure

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$14,844,641
Score: 89.7
MAJOR DRIVER
Inland Flooding
$3,364,054
Score: 16.2
MAJOR DRIVER
Lightning
$440,332
Score: 84.4
Heat Wave
$419,964
Score: 46.5
Strong Wind
$354,151
Score: 62.8
Cold Wave
$210,088
Score: 29.7
Wildfire
$199,895
Score: 56.8
Tornado
$147,780
Score: 24.9
Winter Weather
$108,158
Score: 78.1
Drought
$21,184
Score: 42.8
Hail
$12,106
Score: 21.7
Ice Storm
$10,644
Score: 10.7
Landslide
$0
Score: 10.8

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: 89.7
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 16.2
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 84.4

Methodology and Sources

Spatial Climate Risk Modeling

The Expected Annual Loss (EAL) and hazard risk scores are derived from the FEMA NRI zip code dataset using a population-weighted spatial join. Because Zip Codes and Census Tracts do not share perfectly aligned boundaries, we utilize US Census Block Group population centroids to identify where residents actually live.

Financial & Insurance Metrics

The pysical resilence score is calculated by synthesizing Expected Annual Loss (EAL) against the total building replacement value within a jurisdiction. This creates a "Loss Ratio" that measures physical resilience. We supplement this with ZIP-code level data from the U.S. Treasury's Federal Insurance Office (FIO), monitoring trends in premium growth, loss ratios, and policy non-renewals to identify emerging "Insurance Deserts."

Primary Data Sources

Nearby Locations

Zip Code 84067Zip Code 84405Zip Code 84404Zip Code 84403Zip Code 84315Zip Code 84015