Climate Risk Summary

Zip Code 53012, Risk Profile

The primary drivers of climate-related financial risk in Cedarburg, WI (53012) are Inland Flooding, Cold Wave, and Tornado.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Inland Flooding

$3,500,160

Expected Annual Loss for Zip Code 53012

46.5Score

Relatively High compared to US average

53012
Minimal Estimated LossMax Estimated Loss

Cold Wave

$1,997,414

Expected Annual Loss for Zip Code 53012

88.3Score

Very High compared to US average

53012
Minimal Estimated LossMax Estimated Loss

Tornado

$767,804

Expected Annual Loss for Zip Code 53012

62.5Score

Relatively High compared to US average

53012
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$3,500,160
Score: 46.5
MAJOR DRIVER
Cold Wave
$1,997,414
Score: 88.3
MAJOR DRIVER
Tornado
$767,804
Score: 62.5
Hail
$248,528
Score: 78.1
Heat Wave
$227,672
Score: 46.9
Strong Wind
$133,366
Score: 55.3
Lightning
$75,646
Score: 51.0
Winter Weather
$24,355
Score: 58.9
Earthquake
$15,285
Score: 11.3
Ice Storm
$7,800
Score: 17.6
Wildfire
$4,309
Score: 51.7
Drought
$4,056
Score: 74.0
Hurricane
$252
Score: 15.8
Landslide
$14
Score: 38.0

Recommended Mitigation Strategies

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: 46.5
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.3
🌪️High Investment

Tornado Mitigation

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

Risk Score: 62.5

Methodology and Sources

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 Locations

Zip Code 53095Zip Code 53097Zip Code 53080Zip Code 53022Zip Code 53024Zip Code 53037