Climate Risk Summary

Johnson City, TN Risk Profile

The primary drivers of climate-related financial risk in Johnson City, TN are Inland Flooding, Earthquake, and Strong Wind. This area also faces an unusually high intensity for Lightning compared to national averages.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$5,363,051

Expected Annual Loss for Johnson City

27.6Score

Relatively Moderate compared to US average

Johnson City
Minimal Estimated LossMax Estimated Loss

Earthquake

$1,481,967

Expected Annual Loss for Johnson City

66.6Score

Relatively Moderate compared to US average

Johnson City
Minimal Estimated LossMax Estimated Loss

Strong Wind

$792,053

Expected Annual Loss for Johnson City

78.8Score

Relatively High compared to US average

Johnson City
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$5,363,051
Score: 27.6
MAJOR DRIVER
Earthquake
$1,481,967
Score: 66.6
MAJOR DRIVER
Strong Wind
$792,053
Score: 78.8
Tornado
$635,727
Score: 41.6
UNUSUALLY HIGH
Lightning
$474,226
Score: 80.1
Cold Wave
$457,639
Score: 38.3
Ice Storm
$92,754
Score: 51.1
Hail
$65,358
Score: 40.5
Hurricane
$63,564
Score: 44.8
Heat Wave
$20,471
Score: 2.6
Winter Weather
$20,558
Score: 37.0
Wildfire
$7,713
Score: 43.6
Landslide
$2,443
Score: 73.1
Drought
$459
Score: 1.6

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 66.6
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 78.8
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.1
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 51.1
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 73.1

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

CentralElizabethtonGrayJonesboroughOak Grove

Zip Codes in Johnson City

37601376043761437615376593768637694