Climate Risk for Zip Code 07470

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 07470 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

$21,577,297

Expected Annual Loss for Zip Code 07470

82.6Score

Very High compared to US average

Earthquake

$1,044,639

Expected Annual Loss for Zip Code 07470

65.2Score

Very Low compared to US average

Hurricane

$776,969

Expected Annual Loss for Zip Code 07470

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
$21,577,297
Score: 82.6
MAJOR DRIVER
Earthquake
$1,044,639
Score: 65.2
MAJOR DRIVER
Hurricane
$776,969
Score: 70.8
Tornado
$720,333
Score: 47.9
Strong Wind
$664,531
Score: 79.3
Heat Wave
$621,768
Score: 58.1
Cold Wave
$615,606
Score: 49.1
Lightning
$267,348
Score: 69.1
Winter Weather
$99,117
Score: 76.2
Ice Storm
$23,772
Score: 25.8
Hail
$5,441
Score: 12.1
Wildfire
$446
Score: 22.7
Landslide
$223
Score: 50.2

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: 82.6
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 65.2
🌀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 07440Zip Code 07444Zip Code 07512Zip Code 07417Zip Code 07035Zip Code 07436
07470 Climate Risk Report | Financial & Hazard Analysis