Climate Risk Atlas/AK/Tok/99780

Tok, AK (99780) Avalanche & Climate Risk Profile

The primary drivers of climate-related financial risk in Tok, AK (99780) are Avalanche, Wildfire, and Cold Wave. This area also faces an unusually high intensity for Earthquake, Winter Weather, 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.

Zip Code Risk Map

Flood Plain Analysis

Localized Flood Dynamics in 99780

FEMA Flood Maps for 99780 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
Relatively Low
Relative Vulnerability
$217,467
Annualized Property Exposure

Primary Risks

Avalanche

$1,872,333

Expected Annual Loss for Zip Code 99780

91.2Score

Relatively Moderate compared to US average

Wildfire

$1,835,083

Expected Annual Loss for Zip Code 99780

99.7Score

Very High compared to US average

Cold Wave

$552,866

Expected Annual Loss for Zip Code 99780

98.3Score

Very High compared to US average

Financial Risk Inventory

MAJOR DRIVER
Avalanche
$1,872,333
Score: 91.2
MAJOR DRIVER
Wildfire
$1,835,083
Score: 99.7
MAJOR DRIVER
Cold Wave
$552,866
Score: 98.3
Inland Flooding
$217,467
Score: 22.5
UNUSUALLY HIGH
Earthquake
$173,466
Score: 82.2
UNUSUALLY HIGH
Winter Weather
$28,042
Score: 97.7
UNUSUALLY HIGH
Landslide
$12,237
Score: 98.5
Lightning
$11,942
Score: 64.5
Ice Storm
$1,144
Score: 23.7
Hail
$17
Score: 1.1
Volcanic Activity
$2
Score: 77.4
Tornado
$0
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: 91.2
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 99.7
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.3
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.2
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 97.7
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 98.5

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

Nearby Locations