Cordova, AK (99574) Avalanche & Climate Risk Profile

The primary drivers of climate-related financial risk in Cordova, AK (99574) are Avalanche, Earthquake, and Landslide.

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.

Zip Code Risk Map

Flood Plain Analysis

Localized Flood Dynamics in 99574

FEMA Flood Maps for 99574 identify the "100-year" and "500-year" floodplains (1% and 0.2% annual chance), but modern climate risk analysis suggests that nearly 25% of flood insurance claims originate from properties outside of these designated high-risk zones.

Use the map above to better understand risk by looking at both the FEMA flood plain maps and FEMA Risk Inventory maps by census tract. Standard FEMA maps may not account for 'flash flooding' from intense rain events.

FEMA Designation vs. Reality

Very Low

Relative Vulnerability

$60,571

Annualized Property Exposure

Primary Risks

Avalanche

$2,601,275

Expected Annual Loss for Zip Code 99574

93.7Score

Relatively High compared to US average

Earthquake

$590,471

Expected Annual Loss for Zip Code 99574

91.5Score

Relatively High compared to US average

Landslide

$136,077

Expected Annual Loss for Zip Code 99574

99.7Score

Relatively High compared to US average

Financial Risk Inventory

MAJOR DRIVER

Avalanche

$2,601,275

Score: 93.7

MAJOR DRIVER

Earthquake

$590,471

Score: 91.5

MAJOR DRIVER

Landslide

$136,077

Score: 99.7

Cold Wave

$125,757

Score: 43.3

Tsunami

$64,049

Score: 73.9

Inland Flooding

$60,571

Score: 2.9

Winter Weather

$5,103

Score: 54.9

Lightning

$2,036

Score: 20.2

Coastal Flooding

$208

Score: 74.9

Wildfire

$168

Score: 53.6

Ice Storm

$114

Score: 2.6

Hail

Score: 0.4

Tornado

Score: 0.2

Recommended Mitigation Strategies

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: 93.7

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.5

⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 99.7

Methodology and Sources

Spatial Climate Risk Modeling

The Expected Annual Loss (EAL) and hazard risk scores are derived from the FEMA NRI zip code dataset using a population-weighted spatial join. Because Zip Codes and Census Tracts do not share perfectly aligned boundaries, we utilize US Census Block Group population centroids to identify where residents actually live.

Financial & Insurance Metrics

The pysical resilence score is calculated by synthesizing Expected Annual Loss (EAL) against the total building replacement value within a jurisdiction. This creates a "Loss Ratio" that measures physical resilience. We supplement this with ZIP-code level data from the U.S. Treasury's Federal Insurance Office (FIO), monitoring trends in premium growth, loss ratios, and policy non-renewals to identify emerging "Insurance Deserts."

Primary Data Sources

FEMA National Flood Hazard LayerHigh-resolution vector data for 100-year and 500-year flood zones.
U.S. Department of the TreasuryFIO ZIP-code level insurance data (2018–2022 Historical Set).
FEMA National Risk IndexBaseline hazard frequency and economic loss data (v1.20.0).
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population Statistics.

Nearby Locations

Zip Code 99686 Zip Code 99587