Climate Risk for Zip Code 85202

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 85202 are Heat Wave, Inland Flooding, and Earthquake.

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

$9,109,116

Expected Annual Loss for Zip Code 85202

98.3Score

Very Low compared to US average

Inland Flooding

$8,016,032

Expected Annual Loss for Zip Code 85202

57.6Score

Very Low compared to US average

Earthquake

$312,191

Expected Annual Loss for Zip Code 85202

44.5Score

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
$9,109,116
Score: 98.3
MAJOR DRIVER
Inland Flooding
$8,016,032
Score: 57.6
MAJOR DRIVER
Earthquake
$312,191
Score: 44.5
Hail
$190,474
Score: 64.1
Strong Wind
$78,123
Score: 29.9
Tornado
$45,757
Score: 11.1
Lightning
$18,928
Score: 12.7
Wildfire
$465
Score: 17.3
Winter Weather
$362
Score: 14.2
Drought
$113
Score: 19.9
Hurricane
$55
Score: 11.4

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: 98.3
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 57.6
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 44.5

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 85282Zip Code 85210Zip Code 85283Zip Code 85224Zip Code 85201Zip Code 85281
85202 Climate Risk Report | Financial & Hazard Analysis