Climate Risk for Zip Code 06853

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 06853 are Inland Flooding, Coastal Flooding, 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

$922,566

Expected Annual Loss for Zip Code 06853

56.1Score

Relatively Moderate compared to US average

Coastal Flooding

$555,769

Expected Annual Loss for Zip Code 06853

98.5Score

Relatively High compared to US average

Hurricane

$463,534

Expected Annual Loss for Zip Code 06853

87.1Score

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
$922,566
Score: 56.1
MAJOR DRIVER
Coastal Flooding
$555,769
Score: 98.5
MAJOR DRIVER
Hurricane
$463,534
Score: 87.1
Earthquake
$50,014
Score: 54.0
Strong Wind
$32,699
Score: 59.3
Tornado
$16,175
Score: 24.6
Heat Wave
$12,517
Score: 11.5
Cold Wave
$9,870
Score: 22.1
Ice Storm
$8,132
Score: 55.0
Lightning
$4,544
Score: 19.6
Winter Weather
$3,664
Score: 50.3
Hail
$946
Score: 17.2
Wildfire
$64
Score: 31.7
Landslide
$19
Score: 65.0

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: 56.1
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.5
🌀High Investment

Hurricane Mitigation

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

Risk Score: 87.1

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 06820Zip Code 06854Zip Code 06855Zip Code 06850Zip Code 06851Zip Code 06840
06853 Climate Risk Report | Financial & Hazard Analysis