Climate Risk Summary

Zip Code 99403, Risk Profile

The primary drivers of climate-related financial risk in Clarkston, WA (99403) are Inland Flooding, Wildfire, and Heat Wave.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Inland Flooding

$2,847,004

Expected Annual Loss for Zip Code 99403

52.5Score

Relatively High compared to US average

99403
Minimal Estimated LossMax Estimated Loss

Wildfire

$537,744

Expected Annual Loss for Zip Code 99403

69.8Score

Relatively High compared to US average

99403
Minimal Estimated LossMax Estimated Loss

Heat Wave

$309,337

Expected Annual Loss for Zip Code 99403

70.8Score

Relatively Moderate compared to US average

99403
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$2,847,004
Score: 52.5
MAJOR DRIVER
Wildfire
$537,744
Score: 69.8
MAJOR DRIVER
Heat Wave
$309,337
Score: 70.8
Cold Wave
$130,535
Score: 39.1
Earthquake
$68,862
Score: 35.4
Strong Wind
$50,106
Score: 41.2
Tornado
$22,907
Score: 13.7
Lightning
$19,983
Score: 27.5
Hail
$12,632
Score: 36.0
Winter Weather
$11,585
Score: 52.0
Ice Storm
$4,988
Score: 16.8
Landslide
$2,330
Score: 47.1
Drought
$70
Score: 24.1

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: 52.5
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 69.8
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 70.8

Methodology and Sources

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 Locations

Zip Code 99402Zip Code 99347Zip Code 99179Zip Code 99113Zip Code 99401Zip Code 83501