Climate Risk Summary

Black Diamond, WA Risk Profile

The primary drivers of climate-related financial risk in Black Diamond, WA are Earthquake, Inland Flooding, and Heat Wave. This area also faces an unusually high intensity for Landslide and Volcanic Activity compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Black Diamond.

Primary Risks

Earthquake

$973,667

Expected Annual Loss for Black Diamond

88.3Score

Relatively High compared to US average

Black Diamond
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$805,782

Expected Annual Loss for Black Diamond

49.5Score

Relatively Moderate compared to US average

Black Diamond
Minimal Estimated LossMax Estimated Loss

Heat Wave

$35,779

Expected Annual Loss for Black Diamond

37.7Score

Relatively Low compared to US average

Black Diamond
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$973,667
Score: 88.3
MAJOR DRIVER
Inland Flooding
$805,782
Score: 49.5
MAJOR DRIVER
Heat Wave
$35,779
Score: 37.7
Cold Wave
$7,583
Score: 21.2
Tornado
$6,658
Score: 12.3
Ice Storm
$3,682
Score: 34.5
UNUSUALLY HIGH
Landslide
$2,022
Score: 80.5
Winter Weather
$1,994
Score: 38.7
Lightning
$1,531
Score: 7.4
Wildfire
$770
Score: 59.5
UNUSUALLY HIGH
Volcanic Activity
$108
Score: 90.1
Strong Wind
$93
Score: 0.9
Hail
$10
Score: 0.9

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: 88.3
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 80.5
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 59.5
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.1

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

CovingtonEnumclawHobartKentLake Holm

Zip Codes in Black Diamond

980109802298092