Climate Risk Summary

Middletown Springs, VT Risk Profile

The primary drivers of climate-related financial risk in Middletown Springs, VT are Inland Flooding, Cold Wave, and Hurricane. This area also faces an unusually high intensity for Landslide compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Middletown Springs.

Primary Risks

Inland Flooding

$176,557

Expected Annual Loss for Middletown Springs

25.3Score

Relatively Low compared to US average

Middletown Springs
Minimal Estimated LossMax Estimated Loss

Cold Wave

$14,421

Expected Annual Loss for Middletown Springs

37.2Score

Relatively Low compared to US average

Middletown Springs
Minimal Estimated LossMax Estimated Loss

Hurricane

$8,128

Expected Annual Loss for Middletown Springs

55.4Score

Relatively Low compared to US average

Middletown Springs
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$176,557
Score: 25.3
MAJOR DRIVER
Cold Wave
$14,421
Score: 37.2
MAJOR DRIVER
Hurricane
$8,128
Score: 55.4
Strong Wind
$7,626
Score: 47.3
Heat Wave
$6,191
Score: 17.0
Tornado
$5,944
Score: 25.0
Lightning
$4,445
Score: 42.2
Earthquake
$3,224
Score: 21.3
Ice Storm
$1,575
Score: 38.5
Hail
$1,496
Score: 35.5
Avalanche
$1,121
Score: 54.4
Winter Weather
$1,008
Score: 44.6
UNUSUALLY HIGH
Landslide
$435
Score: 91.8
Wildfire
$140
Score: 52.3

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: 55.4
🏠Low Investment

Avalanche Mitigation

General property maintenance and insurance review recommended.

Risk Score: 54.4
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 91.8
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 52.3

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

WhitehallBensonCastletonEast DorsetProctor

Zip Codes in Middletown Springs