Climate Risk Summary
Ely, MN Risk Profile
The primary drivers of climate-related financial risk in Ely, MN are Cold Wave, Inland Flooding, and Heat Wave. This area also faces an unusually high intensity for Winter Weather, Lightning, and Wildfire compared to national averages.
City-Wide Aggregation
These scores represent the population-weighted average across all residential blocks in Ely.
Primary Risks
Cold Wave
Expected Annual Loss for Ely
Very High compared to US average
Inland Flooding
Expected Annual Loss for Ely
Relatively Low compared to US average
Heat Wave
Expected Annual Loss for Ely
Relatively Moderate compared to US average
City Boundary
Financial Risk Inventory
Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.
Cold Wave Mitigation
General property maintenance and insurance review recommended.
Heat Wave Mitigation
Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.
Winter Weather Mitigation
General property maintenance and insurance review recommended.
Lightning Mitigation
General property maintenance and insurance review recommended.
Wildfire Mitigation
Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.
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