Climate Risk Summary

Clifton Gardens, NY Risk Profile

The primary drivers of climate-related financial risk in Clifton Gardens, NY are Inland Flooding, Tornado, and Hurricane.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Clifton Gardens.

Primary Risks

Inland Flooding

$262,289

Expected Annual Loss for Clifton Gardens

20.3Score

Relatively Low compared to US average

Clifton Gardens
Minimal Estimated LossMax Estimated Loss

Tornado

$52,793

Expected Annual Loss for Clifton Gardens

49.9Score

Relatively Low compared to US average

Clifton Gardens
Minimal Estimated LossMax Estimated Loss

Hurricane

$25,038

Expected Annual Loss for Clifton Gardens

61.2Score

Relatively Low compared to US average

Clifton Gardens
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$262,289
Score: 20.3
MAJOR DRIVER
Tornado
$52,793
Score: 49.9
MAJOR DRIVER
Hurricane
$25,038
Score: 61.2
Cold Wave
$17,198
Score: 31.5
Strong Wind
$16,181
Score: 53.7
Earthquake
$14,938
Score: 38.4
Lightning
$14,102
Score: 61.8
Heat Wave
$12,311
Score: 20.5
Ice Storm
$7,485
Score: 66.4
Hail
$4,395
Score: 44.7
Winter Weather
$1,013
Score: 34.9
Wildfire
$365
Score: 57.7
Landslide
$0
Score: 29.4

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

🌀High Investment

Hurricane Mitigation

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

Risk Score: 61.2
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 53.7
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 61.8
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 66.4
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 57.7

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

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

Nearby Cities

Clifton Knolls-Mill CreekCohoesCountry KnollsEast GlenvilleLatham

Zip Codes in Clifton Gardens