Climate Risk Summary

Francis, UT Risk Profile

The primary drivers of climate-related financial risk in Francis, UT are Avalanche, Inland Flooding, and Wildfire. This area also faces an unusually high intensity for Lightning, Strong Wind, Winter Weather, and Landslide compared to national averages.

City-Wide Aggregation

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

Primary Risks

Avalanche

$3,435,088

Expected Annual Loss for Francis

98.2Score

Very High compared to US average

Francis
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$431,132

Expected Annual Loss for Francis

79.6Score

Relatively High compared to US average

Francis
Minimal Estimated LossMax Estimated Loss

Wildfire

$169,787

Expected Annual Loss for Francis

97.9Score

Relatively High compared to US average

Francis
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Avalanche
$3,435,088
Score: 98.2
MAJOR DRIVER
Inland Flooding
$431,132
Score: 79.6
MAJOR DRIVER
Wildfire
$169,787
Score: 97.9
UNUSUALLY HIGH
Lightning
$90,011
Score: 99.8
UNUSUALLY HIGH
Strong Wind
$44,117
Score: 92.2
Earthquake
$19,502
Score: 61.2
UNUSUALLY HIGH
Winter Weather
$17,031
Score: 97.8
Tornado
$6,280
Score: 28.7
Heat Wave
$2,704
Score: 8.5
Cold Wave
$2,647
Score: 22.0
Hail
$1,472
Score: 39.1
UNUSUALLY HIGH
Landslide
$1,093
Score: 95.3
Ice Storm
$374
Score: 12.1
Drought
$268
Score: 78.1
Volcanic Activity
$0
Score: 58.2

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

🏠Low Investment

Avalanche Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.2
💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 79.6
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 97.9
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.8
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 92.2
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 61.2
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 97.8
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 95.3
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 78.1
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 58.2

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

DanielEast BasinHeberIndependenceMidway

Zip Codes in Francis

84036