Climate Risk for Zip Code 63120

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 63120 are Heat Wave, Earthquake, and Inland Flooding.

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

Heat Wave

$3,183,261

Expected Annual Loss for Zip Code 63120

99.2Score

Very High compared to US average

Earthquake

$1,307,565

Expected Annual Loss for Zip Code 63120

85.3Score

Very High compared to US average

Inland Flooding

$1,078,371

Expected Annual Loss for Zip Code 63120

29.1Score

Very Low compared to US average

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Heat Wave
$3,183,261
Score: 99.2
MAJOR DRIVER
Earthquake
$1,307,565
Score: 85.3
MAJOR DRIVER
Inland Flooding
$1,078,371
Score: 29.1
Tornado
$523,534
Score: 71.7
Cold Wave
$106,853
Score: 43.0
Strong Wind
$42,087
Score: 45.6
Hail
$40,101
Score: 53.5
Lightning
$18,323
Score: 35.6
Ice Storm
$10,010
Score: 39.1
Winter Weather
$3,778
Score: 37.2
Hurricane
$264
Score: 19.3
Landslide
$7
Score: 44.3
Wildfire
$0
Score: 1.2

Recommended Mitigation Strategies

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

☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 99.2
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.3
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 29.1

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 63115Zip Code 63136Zip Code 63121Zip Code 63112Zip Code 63113Zip Code 63133
63120 Climate Risk Report | Financial & Hazard Analysis