Climate Risk Analyst.

Where do you fall?

Salary trend

Estimated total: $97,000

If you are interviewing for Climate Risk Analyst roles in Des Moines, here is what you are walking into. Des Moines is a major insurance and financial services hub, home to Principal Financial, EMC Insurance, and a growing fintech community. The metro's extremely low cost of living and strong job market make it one of the best value cities for finance professionals. Tech employment is growing as insurtech companies expand. Quantitative modeling expertise, familiarity with TCFD and SEC climate disclosure frameworks, and experience in financial services or insurance create the largest pay premiums. Analysts who can translate physical and transition climate risks into financial impact models are highly compensated.

Junior Climate Risk Analysts start at $70,000 to $82,000. Mid-level analysts with regulatory expertise earn $88,000 to $108,000. Senior Analysts and Climate Risk Managers command $110,000 to $140,000, while Directors and Heads of Climate Risk at banks exceed $165,000. In Des Moines, your dollars stretch further. Cost of living runs 14% below the national average, which means even a median salary buys a stronger lifestyle.

Base salary is not the full picture. Analysts at financial institutions often receive bonuses of 15 to 30% based on team and individual performance. RSUs at public companies can add $10,000 to $35,000. The field's rapid growth means strong negotiating leverage for experienced candidates. And on the tax side: iowa has a flat 3.8% state income tax. Des Moines has no city income tax. The low tax rate and affordable housing create strong purchasing power. When someone quotes you $80,000, ask what the total package looks like. The gap between base and total comp is where real money hides.

On negotiation: Benchmark against national insurance industry pay scales. Des Moines insurance employers must compete with remote offers from larger metros and will often match. The range for Climate Risk Analysts in Des Moines runs from $61,000 to $106,000. That is not a narrow window. Where you land inside it depends almost entirely on whether you negotiate and how well you prepare.

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