Climate Risk for Zip Code 43971

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 43971 are Inland Flooding, Tornado, and Lightning.

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

$6,364,882

Expected Annual Loss for Zip Code 43971

96.1Score

Very High compared to US average

Tornado

$157,583

Expected Annual Loss for Zip Code 43971

49.2Score

Relatively Moderate compared to US average

Lightning

$143,250

Expected Annual Loss for Zip Code 43971

92.2Score

Very High compared to US average

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$6,364,882
Score: 96.1
MAJOR DRIVER
Tornado
$157,583
Score: 49.2
MAJOR DRIVER
Lightning
$143,250
Score: 92.2
Heat Wave
$52,054
Score: 30.1
Strong Wind
$46,559
Score: 52.1
Hail
$36,897
Score: 61.1
Ice Storm
$20,385
Score: 61.7
Hurricane
$16,092
Score: 48.2
Earthquake
$11,778
Score: 16.2
Cold Wave
$6,429
Score: 18.5
Winter Weather
$2,272
Score: 30.2
Drought
$2,107
Score: 13.9
Landslide
$1,336
Score: 73.5
Wildfire
$1,090
Score: 44.7

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: 96.1
🌪️High Investment

Tornado Mitigation

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

Risk Score: 49.2
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.2

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 43943Zip Code 43935Zip Code 26003Zip Code 43963Zip Code 26030Zip Code 26075
43971 Climate Risk Report | Financial & Hazard Analysis