Climate Risk Summary

Wauwatosa, WI Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Cold Wave

$9,092,684

Expected Annual Loss for Wauwatosa

95.6Score

Very High compared to US average

Wauwatosa
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$7,078,151

Expected Annual Loss for Wauwatosa

34.1Score

Relatively High compared to US average

Wauwatosa
Minimal Estimated LossMax Estimated Loss

Tornado

$1,642,822

Expected Annual Loss for Wauwatosa

59.7Score

Relatively High compared to US average

Wauwatosa
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Cold Wave
$9,092,684
Score: 95.6
MAJOR DRIVER
Inland Flooding
$7,078,151
Score: 34.1
MAJOR DRIVER
Tornado
$1,642,822
Score: 59.7
Heat Wave
$1,289,780
Score: 72.5
Strong Wind
$132,594
Score: 33.1
Earthquake
$104,832
Score: 20.7
Hail
$66,760
Score: 40.2
Winter Weather
$45,428
Score: 52.6
Lightning
$18,628
Score: 8.0
Ice Storm
$15,687
Score: 14.0
Wildfire
$635
Score: 27.9
Hurricane
$315
Score: 13.9
Landslide
$26
Score: 36.2
Drought
$1
Score: 6.1

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: 95.6
🌪️High Investment

Tornado Mitigation

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

Risk Score: 59.7
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 72.5
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 52.6

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

BrookfieldButlerElm GroveMenomonee FallsMilwaukee

Zip Codes in Wauwatosa

532085321053213532225322553226