Climate Risk Summary

Moscow, ID Risk Profile

The primary drivers of climate-related financial risk in Moscow, ID are Inland Flooding, Cold Wave, and Heat Wave.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$1,860,820

Expected Annual Loss for Moscow

52.2Score

Relatively Moderate compared to US average

Moscow

Minimal Estimated LossMax Estimated Loss

Cold Wave

$478,863

Expected Annual Loss for Moscow

78.2Score

Relatively High compared to US average

Moscow

Minimal Estimated LossMax Estimated Loss

Heat Wave

$186,156

Expected Annual Loss for Moscow

65.8Score

Relatively Moderate compared to US average

Moscow

Minimal Estimated LossMax Estimated Loss

City Boundary

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$1,860,820

Score: 52.2

MAJOR DRIVER

Cold Wave

$478,863

Score: 78.2

MAJOR DRIVER

Heat Wave

$186,156

Score: 65.8

Earthquake

$70,553

Score: 44.7

Strong Wind

$63,660

Score: 57.5

Wildfire

$40,447

Score: 78.7

Tornado

$25,500

Score: 20.7

Hail

$11,871

Score: 40.6

Lightning

$8,933

Score: 18.4

Winter Weather

$4,613

Score: 39.5

Ice Storm

$4,001

Score: 18.6

Landslide

$179

Score: 62.2

Drought

$82

Score: 70.2

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: 52.2

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 78.2

☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 65.8

💨Low Investment

Strong Wind Mitigation

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

Risk Score: 57.5

🔥Low Investment

Wildfire Mitigation

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

Risk Score: 78.7

⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 62.2

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 70.2

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 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

Lewiston Orofino St. Maries Clarkston Clarkston Heights-Vineland

Zip Codes in Moscow

83843 83844