Climate Risk Summary

Cedarburg, WI Risk Profile

The primary drivers of climate-related financial risk in Cedarburg, WI are Inland Flooding, Cold Wave, and Tornado.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$1,660,647

Expected Annual Loss for Cedarburg

31.7Score

Relatively Moderate compared to US average

Cedarburg
Minimal Estimated LossMax Estimated Loss

Cold Wave

$1,014,320

Expected Annual Loss for Cedarburg

84.2Score

Relatively High compared to US average

Cedarburg
Minimal Estimated LossMax Estimated Loss

Tornado

$353,921

Expected Annual Loss for Cedarburg

55.0Score

Relatively Moderate compared to US average

Cedarburg
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$1,660,647
Score: 31.7
MAJOR DRIVER
Cold Wave
$1,014,320
Score: 84.2
MAJOR DRIVER
Tornado
$353,921
Score: 55.0
Heat Wave
$113,776
Score: 37.4
Hail
$111,464
Score: 72.4
Strong Wind
$61,537
Score: 45.6
Lightning
$36,900
Score: 41.8
Winter Weather
$12,164
Score: 52.0
Earthquake
$5,514
Score: 7.4
Ice Storm
$3,703
Score: 12.0
Wildfire
$564
Score: 39.7
Drought
$126
Score: 69.9
Hurricane
$71
Score: 13.5
Landslide
$1
Score: 25.8

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 84.2
🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 55.0
🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 72.4
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 52.0
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 69.9

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

Brown DeerGermantownGraftonMequonMilwaukee

Zip Codes in Cedarburg

53012