Climate Risk Summary

Zip Code 53572, Risk Profile

The primary drivers of climate-related financial risk in Mount Horeb, WI (53572) are Inland Flooding, Cold Wave, and Tornado. This area also faces an unusually high intensity for Hail and Landslide compared to national averages.

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

$1,924,176

Expected Annual Loss for Zip Code 53572

60.7Score

Relatively High compared to US average

53572
Minimal Estimated LossMax Estimated Loss

Cold Wave

$938,412

Expected Annual Loss for Zip Code 53572

92.7Score

Very High compared to US average

53572
Minimal Estimated LossMax Estimated Loss

Tornado

$504,552

Expected Annual Loss for Zip Code 53572

77.2Score

Relatively High compared to US average

53572
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
$1,924,176
Score: 60.7
MAJOR DRIVER
Cold Wave
$938,412
Score: 92.7
MAJOR DRIVER
Tornado
$504,552
Score: 77.2
UNUSUALLY HIGH
Hail
$326,079
Score: 93.3
Heat Wave
$171,109
Score: 70.8
Strong Wind
$75,015
Score: 68.1
Lightning
$33,672
Score: 58.7
Earthquake
$19,008
Score: 24.9
Ice Storm
$16,537
Score: 61.3
Winter Weather
$15,467
Score: 73.3
UNUSUALLY HIGH
Landslide
$13,007
Score: 94.1
Wildfire
$7,186
Score: 73.1
Drought
$6,312
Score: 79.5
Hurricane
$974
Score: 26.8

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: 60.7
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.7
🌪️High Investment

Tornado Mitigation

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

Risk Score: 77.2
🧊Medium Investment

Hail Mitigation

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

Risk Score: 93.3
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 94.1

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 53517Zip Code 53508Zip Code 53593Zip Code 53516Zip Code 53507Zip Code 53544