Climate Risk for Zip Code 06851

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 06851 are Inland Flooding, Hurricane, and Earthquake.

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

$7,085,503

Expected Annual Loss for Zip Code 06851

67.2Score

Very High compared to US average

Hurricane

$2,147,372

Expected Annual Loss for Zip Code 06851

87.0Score

Relatively Moderate compared to US average

Earthquake

$313,482

Expected Annual Loss for Zip Code 06851

58.1Score

Relatively Low compared to US average

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$7,085,503
Score: 67.2
MAJOR DRIVER
Hurricane
$2,147,372
Score: 87.0
MAJOR DRIVER
Earthquake
$313,482
Score: 58.1
Strong Wind
$234,742
Score: 71.1
Heat Wave
$99,648
Score: 23.3
Tornado
$84,580
Score: 26.0
Cold Wave
$78,567
Score: 26.3
Ice Storm
$45,434
Score: 59.7
Lightning
$34,450
Score: 30.4
Coastal Flooding
$34,077
Score: 37.6
Winter Weather
$26,921
Score: 61.8
Hail
$6,722
Score: 22.3
Wildfire
$61
Score: 10.0
Landslide
$55
Score: 54.0

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: 67.2
🌀High Investment

Hurricane Mitigation

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

Risk Score: 87.0
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 58.1

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 06880Zip Code 06850Zip Code 06897Zip Code 06855Zip Code 06854Zip Code 06840
06851 Climate Risk Report | Financial & Hazard Analysis