Climate Risk for Zip Code 99501

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 99501 are Earthquake, Winter Weather, and Cold Wave. This area also faces an unusually high intensity for Volcanic Activity compared to national averages.

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

Earthquake

$58,733,361

Expected Annual Loss for Zip Code 99501

99.7Score

Very High compared to US average

Winter Weather

$142,159

Expected Annual Loss for Zip Code 99501

95.8Score

Very High compared to US average

Cold Wave

$29,323

Expected Annual Loss for Zip Code 99501

22.7Score

Very Low compared to US average

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$58,733,361
Score: 99.7
MAJOR DRIVER
Winter Weather
$142,159
Score: 95.8
MAJOR DRIVER
Cold Wave
$29,323
Score: 22.7
Lightning
$9,658
Score: 15.5
Hail
$2,106
Score: 12.2
Ice Storm
$1,606
Score: 5.0
Coastal Flooding
$1,413
Score: 27.9
Wildfire
$904
Score: 48.6
UNUSUALLY HIGH
Volcanic Activity
$416
Score: 92.1
Inland Flooding
$26
Score: 0.1
Landslide
$14
Score: 49.7

Recommended Mitigation Strategies

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

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.7
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 95.8
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 22.7
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.1

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 99506Zip Code 99508Zip Code 99503Zip Code 99513Zip Code 99507Zip Code 99518
99501 Climate Risk Report | Financial & Hazard Analysis