Fine particulate matter (PM
2.5) poses substantial urban health risks that vary across space, time, and population vulnerability. We integrate a spatio-temporal INLA–SPDE PM
2.5 field with an agent-based model (ABM) of 10,000 daily home–work commuters in Indianapolis’s Pleasant Run airshed (50
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Fine particulate matter (PM
2.5) poses substantial urban health risks that vary across space, time, and population vulnerability. We integrate a spatio-temporal INLA–SPDE PM
2.5 field with an agent-based model (ABM) of 10,000 daily home–work commuters in Indianapolis’s Pleasant Run airshed (50 weeks; 250 m grid). The PM
2.5 surface fuses 23 corrected PurpleAir PA-II-SD sensors with meteorology, land use, road proximity, and MODIS AOD. Validation indicated strong agreement (leave-one-out R
2 = 0.79, RMSE = 3.5 μg/m
3; EPA monitor comparison R
2 = 0.81, RMSE = 3.1 μg/m
3). We model a spatial-equity counterfactual by assigning susceptibility independently of residence and workplace, isolating vulnerability from residential segregation. Under this design, annual PM
2.5 exposure was statistically indistinguishable across groups (16.22–16.29 μg/m
3; max difference 0.07 μg/m
3, <0.5%), yet VWDI differed by ~10× (High vs. Very Low). Route-level maps reveal recurrent micro-corridors (>20 μg/m
3) near industrial zones and arterials that increase within-group variability without creating between-group exposure gaps. These findings quantify a policy-relevant “floor effect” in environmental justice: even with perfect spatial equity, substantial health disparities remain driven by susceptibility. Effective mitigation, therefore, requires dual strategies—place-based emissions and mobility interventions to reduce exposure for all, paired with vulnerability-targeted health supports (screening, access to care, indoor air quality) to address irreducible risk. The data and code framework provides a reproducible baseline against which real-world segregation and mobility constraints can be assessed in future, stratified scenarios.
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