Greybull, WY Flooding & Climate Risk Profile

The primary drivers of climate-related financial risk in Greybull, WY are Inland Flooding, Cold Wave, and Earthquake. This area also faces an unusually high intensity for Landslide, Lightning, Drought, Wildfire, and Winter Weather compared to national averages. Based on recent federal data, homeowners in this market face an estimated average annual insurance premium of $1,406, with a local policy non-renewal rate of 1.0%.

City Risk Scorecard

Physical Resilience52/100

Based on FEMA EAL and hazard intensity.

Insurance Stability

Market Stable

Metrics indicate a balanced risk-to-premium environment with standard renewal rates.

Spatial Analysis

Flood Plain Analysis

Significant Flood Exposure in Greybull

FEMA Flood Maps for Greybull 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 High

Relative Vulnerability

$981,390

Annualized Property Exposure

Insurance Market & Climate Stress Analysis

Current Avg. Premium (2022)

$1,406

Latest Market Rate

Recent Year Change

+0.6%

YoY Increase

2030 Forecast

$1,617

Based on 1.76% CAGR

Market Retreat (Non-Renewals)

1.00%

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

Underwriting Stress (Loss Ratio)

54.0%

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.

Avg. Premium2030 Trend LineLoss RatioNon-Renewal Rate

Primary Risks

Inland Flooding

$981,390

Expected Annual Loss for Greybull

95.8Score

Very High compared to US average

Cold Wave

$160,025

Expected Annual Loss for Greybull

92.2Score

Relatively High compared to US average

Earthquake

$58,893

Expected Annual Loss for Greybull

76.9Score

Relatively Low compared to US average

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$981,390

Score: 95.8

MAJOR DRIVER

Cold Wave

$160,025

Score: 92.2

MAJOR DRIVER

Earthquake

$58,893

Score: 76.9

UNUSUALLY HIGH

Landslide

$52,388

Score: 99.6

Tornado

$22,126

Score: 45.9

UNUSUALLY HIGH

Lightning

$17,811

Score: 87.9

Hail

$12,520

Score: 74.9

Strong Wind

$10,999

Score: 61.5

UNUSUALLY HIGH

Drought

$10,183

Score: 91.1

UNUSUALLY HIGH

Wildfire

$7,748

Score: 87.2

UNUSUALLY HIGH

Winter Weather

$6,808

Score: 89.5

Heat Wave

$1,756

Score: 4.9

Ice Storm

$581

Score: 18.1

Avalanche

$52

Score: 17.6

Volcanic Activity

Score: 57.2

Recommended Mitigation Strategies

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

💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 95.8

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.2

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 76.9

⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 99.6

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 87.9

🧊Medium Investment

Hail Mitigation

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

Risk Score: 74.9

💨Low Investment

Strong Wind Mitigation

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

Risk Score: 61.5

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.1

🔥Low Investment

Wildfire Mitigation

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

Risk Score: 87.2

🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.5

🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 57.2

Sources and Methodology

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 Cities

Joliet Lodge Grass Cody Powell Sheridan

Zip Codes in Greybull

82426