Climate Risk Summary

Hainesville, IL Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$1,029,899

Expected Annual Loss for Hainesville

61.8Score

Relatively High compared to US average

Hainesville
Minimal Estimated LossMax Estimated Loss

Cold Wave

$339,672

Expected Annual Loss for Hainesville

89.0Score

Relatively High compared to US average

Hainesville
Minimal Estimated LossMax Estimated Loss

Tornado

$321,258

Expected Annual Loss for Hainesville

81.3Score

Relatively High compared to US average

Hainesville
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$1,029,899
Score: 61.8
MAJOR DRIVER
Cold Wave
$339,672
Score: 89.0
MAJOR DRIVER
Tornado
$321,258
Score: 81.3
Strong Wind
$57,460
Score: 77.7
Heat Wave
$39,051
Score: 45.0
Earthquake
$23,639
Score: 34.6
Lightning
$14,894
Score: 52.3
Hail
$10,418
Score: 50.7
Ice Storm
$1,457
Score: 16.4
Winter Weather
$960
Score: 29.3
Drought
$715
Score: 14.9
Wildfire
$92
Score: 31.4
Hurricane
$35
Score: 14.3
Landslide
$5
Score: 43.5

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: 61.8
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.0
🌪️High Investment

Tornado Mitigation

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

Risk Score: 81.3
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 77.7
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 52.3
🧊Medium Investment

Hail Mitigation

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

Risk Score: 50.7

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

Nearby Cities

GrayslakeLake VillaLibertyvilleMundeleinRound Lake

Zip Codes in Hainesville

6003060073