Climate Risk for Zip Code 50401

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 50401 are Inland Flooding, Tornado, and Cold Wave. This area also faces an unusually high intensity for Drought, Strong Wind, Hail, and Winter Weather compared to national averages.

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

$8,088,300

Expected Annual Loss for Zip Code 50401

80.8Score

Relatively Moderate compared to US average

Tornado

$4,158,515

Expected Annual Loss for Zip Code 50401

96.7Score

Very High compared to US average

Cold Wave

$1,317,088

Expected Annual Loss for Zip Code 50401

82.0Score

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
$8,088,300
Score: 80.8
MAJOR DRIVER
Tornado
$4,158,515
Score: 96.7
MAJOR DRIVER
Cold Wave
$1,317,088
Score: 82.0
UNUSUALLY HIGH
Drought
$600,438
Score: 88.0
UNUSUALLY HIGH
Strong Wind
$589,875
Score: 88.8
UNUSUALLY HIGH
Hail
$390,954
Score: 84.7
UNUSUALLY HIGH
Winter Weather
$223,611
Score: 96.4
Lightning
$45,158
Score: 35.5
Heat Wave
$38,627
Score: 7.3
Ice Storm
$35,435
Score: 51.3
Earthquake
$27,282
Score: 15.4
Wildfire
$7,661
Score: 56.6
Hurricane
$727
Score: 19.0
Landslide
$66
Score: 51.0

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: 80.8
🌪️High Investment

Tornado Mitigation

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

Risk Score: 96.7
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.0
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.0
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 88.8
🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 84.7
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 96.4

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 50458Zip Code 50428Zip Code 50456Zip Code 50469Zip Code 50468Zip Code 50464