Climate Risk for Zip Code 86343

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 86343 are Inland Flooding, Wildfire, and Lightning.

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

$3,942,479

Expected Annual Loss for Zip Code 86343

96.5Score

Very High compared to US average

Wildfire

$1,710,284

Expected Annual Loss for Zip Code 86343

98.8Score

Very High compared to US average

Lightning

$89,205

Expected Annual Loss for Zip Code 86343

92.3Score

Very High compared to US average

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$3,942,479
Score: 96.5
MAJOR DRIVER
Wildfire
$1,710,284
Score: 98.8
MAJOR DRIVER
Lightning
$89,205
Score: 92.3
Heat Wave
$74,628
Score: 57.3
Earthquake
$36,771
Score: 45.1
Hail
$35,350
Score: 71.4
Tornado
$13,565
Score: 20.8
Strong Wind
$11,678
Score: 29.9
Winter Weather
$6,812
Score: 63.0
Avalanche
$1,116
Score: 41.4
Drought
$866
Score: 74.7
Landslide
$421
Score: 76.7
Volcanic Activity
$0
Score: 8.9

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: 96.5
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 98.8
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.3

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 86333Zip Code 85342Zip Code 85324Zip Code 86332Zip Code 85087Zip Code 85390
86343 Climate Risk Report | Financial & Hazard Analysis