Climate Risk Atlas/NE/McCook/69001

McCook, NE (69001) Hail & Climate Risk Profile

The primary drivers of climate-related financial risk in McCook, NE (69001) are Hail, Inland Flooding, and Tornado. This area also faces an unusually high intensity for Cold Wave, Drought, Strong Wind, Winter Weather, Lightning, and Ice Storm compared to national averages. Based on recent federal data, homeowners in this market face an estimated average annual insurance premium of $2,432, with a local policy non-renewal rate of 4.7%.

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 69001

FEMA Flood Maps for 69001 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 Moderate
Relative Vulnerability
$915,175
Annualized Property Exposure

Primary Risks

Hail

$1,003,417

Expected Annual Loss for Zip Code 69001

98.0Score

Very High compared to US average

Inland Flooding

$915,175

Expected Annual Loss for Zip Code 69001

28.2Score

Relatively Moderate compared to US average

Tornado

$798,313

Expected Annual Loss for Zip Code 69001

89.7Score

Relatively High compared to US average

Insurance Market Stability

Avg. Annual Premium (2022)

$2,432
Latest Market Rate

Year-over-Year Change

+4.8%
2021 → 2022

Market Retreat (Non-Renewals)

4.69%

Higher rates indicate insurers are actively reducing exposure to ZIP 69001 due to climate-linked risk.

Underwriting Stress (Loss Ratio)

63.0%

A ratio over 70% suggests insurers are paying out nearly all premiums as claims, forcing future price hikes.

Historical Market Trends

Toggle series below to compare costs vs. market stress indicators

Historical Trends & Forecasting

Compare premium costs against underlying risk factors.

Financial Risk Inventory

MAJOR DRIVER
Hail
$1,003,417
Score: 98.0
MAJOR DRIVER
Inland Flooding
$915,175
Score: 28.2
MAJOR DRIVER
Tornado
$798,313
Score: 89.7
UNUSUALLY HIGH
Cold Wave
$550,672
Score: 86.9
UNUSUALLY HIGH
Drought
$452,607
Score: 92.1
UNUSUALLY HIGH
Strong Wind
$317,028
Score: 90.8
UNUSUALLY HIGH
Winter Weather
$136,471
Score: 98.9
UNUSUALLY HIGH
Lightning
$116,247
Score: 92.4
Heat Wave
$99,136
Score: 56.1
UNUSUALLY HIGH
Ice Storm
$90,518
Score: 92.3
Earthquake
$11,624
Score: 18.7
Wildfire
$4,290
Score: 67.0
Landslide
$20
Score: 42.4

Recommended Mitigation Strategies

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

🧊Medium Investment

Hail Mitigation

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

Risk Score: 98.0
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 28.2
🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 89.7
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.9
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.1
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 90.8
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.9
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.4
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 92.3

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