Climate Risk for Zip Code 59401

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 59401 are Cold Wave, Inland Flooding, and Winter Weather.

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

Cold Wave

$2,920,012

Expected Annual Loss for Zip Code 59401

97.5Score

Very High compared to US average

Inland Flooding

$2,850,875

Expected Annual Loss for Zip Code 59401

53.9Score

Relatively Moderate compared to US average

Winter Weather

$315,438

Expected Annual Loss for Zip Code 59401

99.3Score

Very High compared to US average

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Cold Wave
$2,920,012
Score: 97.5
MAJOR DRIVER
Inland Flooding
$2,850,875
Score: 53.9
MAJOR DRIVER
Winter Weather
$315,438
Score: 99.3
Earthquake
$194,702
Score: 56.7
Strong Wind
$108,271
Score: 64.7
Lightning
$78,778
Score: 68.7
Heat Wave
$43,531
Score: 16.4
Hail
$38,865
Score: 56.0
Tornado
$33,680
Score: 20.1
Ice Storm
$2,912
Score: 9.7
Wildfire
$151
Score: 17.8
Drought
$0
Score: 28.6
Landslide
$0
Score: 9.4

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 97.5
💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 53.9
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.3

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 59405Zip Code 59414Zip Code 59404Zip Code 59440Zip Code 59472Zip Code 59468
59401 Climate Risk Report | Financial & Hazard Analysis