Climate Risk for Zip Code 40207

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 40207 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

$10,373,654

Expected Annual Loss for Zip Code 40207

76.4Score

Very High compared to US average

Tornado

$3,336,753

Expected Annual Loss for Zip Code 40207

90.6Score

Very High compared to US average

Earthquake

$1,303,173

Expected Annual Loss for Zip Code 40207

76.3Score

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

$10,373,654

Score: 76.4

MAJOR DRIVER

Tornado

$3,336,753

Score: 90.6

MAJOR DRIVER

Earthquake

$1,303,173

Score: 76.3

Cold Wave

$386,584

Score: 48.9

Heat Wave

$321,913

Score: 51.2

Strong Wind

$77,713

Score: 36.2

Hail

$76,219

Score: 55.3

Lightning

$45,350

Score: 31.3

Ice Storm

$27,861

Score: 41.1

Winter Weather

$18,374

Score: 47.8

Wildfire

$3,544

Score: 55.1

Hurricane

$1,012

Score: 21.2

Landslide

$28

Score: 28.1

Drought

$10

Score: 15.2

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: 76.4

🌪️High Investment

Tornado Mitigation

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

Risk Score: 90.6

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 76.3

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 40041 Zip Code 40206 Zip Code 40222 Zip Code 40205 Zip Code 40025 Zip Code 40280