Climate Risk Summary

Kemp Mill, MD Risk Profile

The primary drivers of climate-related financial risk in Kemp Mill, MD are Inland Flooding, Earthquake, and Heat Wave.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$628,630

Expected Annual Loss for Kemp Mill

17.9Score

Relatively Low compared to US average

Kemp Mill
Minimal Estimated LossMax Estimated Loss

Earthquake

$118,124

Expected Annual Loss for Kemp Mill

60.3Score

Relatively Low compared to US average

Kemp Mill
Minimal Estimated LossMax Estimated Loss

Heat Wave

$90,979

Expected Annual Loss for Kemp Mill

50.7Score

Relatively Moderate compared to US average

Kemp Mill
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$628,630
Score: 17.9
MAJOR DRIVER
Earthquake
$118,124
Score: 60.3
MAJOR DRIVER
Heat Wave
$90,979
Score: 50.7
Hurricane
$84,342
Score: 63.9
Cold Wave
$51,620
Score: 33.3
Strong Wind
$31,492
Score: 44.2
Tornado
$31,325
Score: 26.2
Hail
$21,279
Score: 54.3
Winter Weather
$18,740
Score: 76.7
Lightning
$12,103
Score: 29.5
Ice Storm
$1,914
Score: 10.8
Wildfire
$107
Score: 30.6
Landslide
$22
Score: 53.8

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: 60.3
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 50.7
🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 63.9
🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 54.3
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 76.7
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 53.8

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

Nearby Cities

Burnt MillsColesvilleForest GlenFour CornersGlenmont

Zip Codes in Kemp Mill

209012090220904