Climate Risk Atlas/NE/Arthur/69121

Arthur, NE (69121) Drought & Climate Risk Profile

The primary drivers of climate-related financial risk in Arthur, NE (69121) are Drought, Inland Flooding, and Hail. This area also faces an unusually high intensity for Wildfire and Lightning 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 69121

FEMA Flood Maps for 69121 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
$174,558
Annualized Property Exposure

Primary Risks

Drought

$196,594

Expected Annual Loss for Zip Code 69121

97.3Score

Relatively Moderate compared to US average

Inland Flooding

$174,558

Expected Annual Loss for Zip Code 69121

7.5Score

Very Low compared to US average

Hail

$116,864

Expected Annual Loss for Zip Code 69121

92.8Score

Relatively High compared to US average

Financial Risk Inventory

MAJOR DRIVER
Drought
$196,594
Score: 97.3
MAJOR DRIVER
Inland Flooding
$174,558
Score: 7.5
MAJOR DRIVER
Hail
$116,864
Score: 92.8
UNUSUALLY HIGH
Wildfire
$96,055
Score: 94.7
Cold Wave
$65,093
Score: 57.9
Tornado
$37,735
Score: 41.7
UNUSUALLY HIGH
Lightning
$30,037
Score: 82.0
Strong Wind
$16,781
Score: 51.7
Winter Weather
$6,054
Score: 72.2
Earthquake
$1,540
Score: 8.6
Heat Wave
$1,337
Score: 2.7
Ice Storm
$449
Score: 5.3
Landslide
$37
Score: 74.2

Recommended Mitigation Strategies

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

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 97.3
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 7.5
🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 92.8
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 94.7
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.0

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