Climate Risk Summary

Milwaukee, WI Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Cold Wave

$107,869,267

Expected Annual Loss for Milwaukee

95.7Score

Very High compared to US average

Milwaukee
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$57,166,038

Expected Annual Loss for Milwaukee

23.2Score

Relatively High compared to US average

Milwaukee
Minimal Estimated LossMax Estimated Loss

Tornado

$18,246,687

Expected Annual Loss for Milwaukee

59.8Score

Relatively High compared to US average

Milwaukee
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Cold Wave
$107,869,267
Score: 95.7
MAJOR DRIVER
Inland Flooding
$57,166,038
Score: 23.2
MAJOR DRIVER
Tornado
$18,246,687
Score: 59.8
Heat Wave
$15,300,902
Score: 73.7
Strong Wind
$1,424,158
Score: 32.5
Earthquake
$960,175
Score: 18.0
Hail
$566,437
Score: 35.9
Winter Weather
$484,382
Score: 51.9
Lightning
$175,590
Score: 6.6
Ice Storm
$149,960
Score: 11.7
Coastal Flooding
$3,405
Score: 9.0
Wildfire
$2,176
Score: 13.6
Hurricane
$2,417
Score: 13.0
Landslide
$69
Score: 22.3
Drought
$10
Score: 6.3

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: 95.7
🌪️High Investment

Tornado Mitigation

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

Risk Score: 59.8
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 73.7
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 51.9

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 DeerGlendaleGreenfieldShorewoodWauwatosa

Zip Codes in Milwaukee

530225305153154532025320353204532055320653207532085320953210532115321253213532145321553216532175321853219532205322153222532235322453225532265322753228532335323553295