Climate Risk Summary

Highland Park, IL Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$9,043,719

Expected Annual Loss for Highland Park

67.2Score

Relatively High compared to US average

Highland Park
Minimal Estimated LossMax Estimated Loss

Tornado

$2,180,850

Expected Annual Loss for Highland Park

77.4Score

Relatively High compared to US average

Highland Park
Minimal Estimated LossMax Estimated Loss

Cold Wave

$1,866,643

Expected Annual Loss for Highland Park

81.4Score

Relatively High compared to US average

Highland Park
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$9,043,719
Score: 67.2
MAJOR DRIVER
Tornado
$2,180,850
Score: 77.4
MAJOR DRIVER
Cold Wave
$1,866,643
Score: 81.4
Strong Wind
$342,194
Score: 70.1
Earthquake
$265,175
Score: 45.3
Heat Wave
$217,092
Score: 33.1
Hail
$108,873
Score: 58.2
Lightning
$85,675
Score: 43.1
Ice Storm
$8,551
Score: 12.1
Winter Weather
$5,482
Score: 26.0
Wildfire
$685
Score: 21.2
Hurricane
$345
Score: 15.5
Coastal Flooding
$75
Score: 16.1
Landslide
$72
Score: 48.2
Drought
$12
Score: 4.4

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: 67.2
🌪️High Investment

Tornado Mitigation

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

Risk Score: 77.4
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 81.4
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 70.1
🧊Medium Investment

Hail Mitigation

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

Risk Score: 58.2

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

Nearby Cities

BannockburnDeerfieldGlencoeHighwoodLake Forest

Zip Codes in Highland Park

600156003560040