Climate Risk for Zip Code 02138

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 02138 are Inland Flooding, Earthquake, and Hurricane.

Data SourceFEMA National Risk Index (December 2025 Update)

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.

Primary Risks

Inland Flooding

$4,097,823

Expected Annual Loss for Zip Code 02138

28.0Score

Very Low compared to US average

Earthquake

$917,337

Expected Annual Loss for Zip Code 02138

65.0Score

Relatively Moderate compared to US average

Hurricane

$890,629

Expected Annual Loss for Zip Code 02138

70.8Score

Relatively Moderate compared to US average

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$4,097,823
Score: 28.0
MAJOR DRIVER
Earthquake
$917,337
Score: 65.0
MAJOR DRIVER
Hurricane
$890,629
Score: 70.8
Heat Wave
$197,253
Score: 28.2
Tornado
$181,244
Score: 27.2
Cold Wave
$177,069
Score: 29.7
Ice Storm
$91,556
Score: 57.1
Lightning
$68,888
Score: 35.1
Strong Wind
$65,781
Score: 27.4
Coastal Flooding
$6,696
Score: 25.6
Winter Weather
$3,228
Score: 21.1
Hail
$2,172
Score: 5.6
Wildfire
$15
Score: 6.5
Landslide
$1
Score: 16.2

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: 28.0
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 65.0
🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 70.8

Methodology and Sources

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 02134Zip Code 02140Zip Code 02472Zip Code 02163Zip Code 02135Zip Code 02144
02138 Climate Risk Report | Financial & Hazard Analysis