Climate Risk for Zip Code 82190
Financial Exposure & Physical Hazard Analysis
Risk Summary
The primary drivers of climate-related financial risk in zip code 82190 are Avalanche, Inland Flooding, and Earthquake. This area also faces an unusually high intensity for Wildfire, Lightning, Landslide, Winter Weather, Drought, and Volcanic Activity compared to national averages.
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
Avalanche
Expected Annual Loss for Zip Code 82190
Very High compared to US average
Inland Flooding
Expected Annual Loss for Zip Code 82190
Very High compared to US average
Earthquake
Expected Annual Loss for Zip Code 82190
Relatively Moderate compared to US average
Zip Code Risk Map
Financial Risk Inventory
Recommended Mitigation Strategies
Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.
Avalanche Mitigation
General property maintenance and insurance review recommended.
Inland Flooding Mitigation
Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.
Earthquake Mitigation
General property maintenance and insurance review recommended.
Wildfire Mitigation
Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.
Lightning Mitigation
General property maintenance and insurance review recommended.
Landslide Mitigation
Professional slope stabilization and foundation drainage inspection is highly recommended.
Winter Weather Mitigation
General property maintenance and insurance review recommended.
Drought Mitigation
General property maintenance and insurance review recommended.
Volcanic Activity Mitigation
General property maintenance and insurance review recommended.
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