Climate Risk for Zip Code 40203

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 40203 are Inland Flooding, Tornado, 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

$6,712,597

Expected Annual Loss for Zip Code 40203

83.0Score

Relatively Moderate compared to US average

Tornado

$1,757,409

Expected Annual Loss for Zip Code 40203

87.1Score

Very High compared to US average

Earthquake

$1,356,815

Expected Annual Loss for Zip Code 40203

80.7Score

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
$6,712,597
Score: 83.0
MAJOR DRIVER
Tornado
$1,757,409
Score: 87.1
MAJOR DRIVER
Earthquake
$1,356,815
Score: 80.7
Cold Wave
$212,766
Score: 45.1
Heat Wave
$177,323
Score: 46.1
Strong Wind
$41,999
Score: 32.1
Hail
$35,772
Score: 49.2
Lightning
$24,757
Score: 27.6
Ice Storm
$13,475
Score: 33.3
Winter Weather
$9,608
Score: 43.2
Hurricane
$474
Score: 19.3
Wildfire
$137
Score: 17.1
Landslide
$0
Score: 8.4

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: 83.0
🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 87.1
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.7

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 40202Zip Code 40210Zip Code 40208Zip Code 40212Zip Code 40211Zip Code 47129
40203 Climate Risk Report | Financial & Hazard Analysis