Climate Risk Summary

Oakland, IL Risk Profile

The primary drivers of climate-related financial risk in Oakland, IL are Inland Flooding, Drought, and Earthquake. This area also faces an unusually high intensity for Cold Wave, Hail, Winter Weather, and Landslide compared to national averages. Based on recent federal data, homeowners in this market face an estimated average annual insurance premium of $1,507, with a local policy non-renewal rate of 1.0%.

City Risk Scorecard
Physical Resilience44/100

Based on FEMA EAL and hazard intensity.

Insurance Stability
Market Stable

Metrics indicate a balanced risk-to-premium environment with standard renewal rates.

Primary Risks

Inland Flooding

$354,608

Expected Annual Loss for Oakland

89.1Score

Relatively High compared to US average

Oakland
Minimal Estimated LossMax Estimated Loss

Drought

$160,518

Expected Annual Loss for Oakland

99.0Score

Relatively High compared to US average

Oakland
Minimal Estimated LossMax Estimated Loss

Earthquake

$68,387

Expected Annual Loss for Oakland

82.8Score

Relatively Moderate compared to US average

Oakland
Minimal Estimated LossMax Estimated Loss

Spatial Analysis

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

Significant Flood Exposure in Oakland

FEMA Flood Maps for Oakland 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 High
Relative Vulnerability
$354,608
Annualized Property Exposure

Insurance Market Stability

Avg. Annual Premium

$1,507

Estimated baseline property insurance cost prior to localized disaster surcharges.

Non-Renewal Rate

1.0%

The percentage of homeowner policies canceled by insurers, a key indicator of market retreat.

Insurer Loss Ratio

30%

For every $1 collected in premium, insurers are paying out $0.30 in claims.

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$354,608
Score: 89.1
MAJOR DRIVER
Drought
$160,518
Score: 99.0
MAJOR DRIVER
Earthquake
$68,387
Score: 82.8
Tornado
$45,842
Score: 73.8
UNUSUALLY HIGH
Cold Wave
$45,513
Score: 82.2
Heat Wave
$14,297
Score: 65.2
Strong Wind
$11,690
Score: 78.8
UNUSUALLY HIGH
Hail
$9,946
Score: 80.6
UNUSUALLY HIGH
Winter Weather
$3,117
Score: 86.9
Lightning
$2,895
Score: 51.8
Hurricane
$1,396
Score: 48.6
Ice Storm
$1,295
Score: 53.6
Wildfire
$75
Score: 54.0
UNUSUALLY HIGH
Landslide
$72
Score: 87.3

Recommended Mitigation Strategies

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

💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 89.1
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.0
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.8
🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 73.8
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.2
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 65.2
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 78.8
🧊Medium Investment

Hail Mitigation

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

Risk Score: 80.6
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.9
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 51.8
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 53.6
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 54.0
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 87.3

Sources and Methodology

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 Cities

ArcolaCaseyCharlestonMattoonParis

Zip Codes in Oakland

61943
Climate Risk Analysis for Oakland, IL