Climate Risk Summary

Union Hill-Novelty Hill, WA Risk Profile

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

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Union Hill-Novelty Hill.

Primary Risks

Earthquake

$7,482,353

Expected Annual Loss for Union Hill-Novelty Hill

90.4Score

Very High compared to US average

Union Hill-Novelty Hill
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$4,275,424

Expected Annual Loss for Union Hill-Novelty Hill

46.2Score

Relatively High compared to US average

Union Hill-Novelty Hill
Minimal Estimated LossMax Estimated Loss

Heat Wave

$200,871

Expected Annual Loss for Union Hill-Novelty Hill

40.0Score

Relatively Low compared to US average

Union Hill-Novelty Hill
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$7,482,353
Score: 90.4
MAJOR DRIVER
Inland Flooding
$4,275,424
Score: 46.2
MAJOR DRIVER
Heat Wave
$200,871
Score: 40.0
Cold Wave
$39,942
Score: 21.1
Tornado
$33,934
Score: 12.0
Ice Storm
$14,738
Score: 27.9
Winter Weather
$11,858
Score: 41.1
Lightning
$8,458
Score: 7.8
Landslide
$6,628
Score: 59.2
Wildfire
$5,262
Score: 61.5
UNUSUALLY HIGH
Volcanic Activity
$671
Score: 91.3
Strong Wind
$479
Score: 0.9
Hail
$208
Score: 1.2
Drought
$6
Score: 13.0

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: 90.4
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 59.2
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 61.5
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.3

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

BellevueCottage LakeDuvallHigh BridgeLake Marcel-Stillwater

Zip Codes in Union Hill-Novelty Hill

98019980529805398077