Tampa, FL (33605) Hurricane & Climate Risk Profile

The primary drivers of climate-related financial risk in Tampa, FL (33605) are Hurricane, Inland Flooding, and Tornado.

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.

Zip Code Risk Map

Flood Plain Analysis

Localized Flood Dynamics in 33605

FEMA Flood Maps for 33605 identify the "100-year" and "500-year" floodplains (1% and 0.2% annual chance), but modern climate risk analysis suggests that nearly 25% of flood insurance claims originate from properties outside of these designated high-risk zones.

Use the map above to better understand risk by looking at both the FEMA flood plain maps and FEMA Risk Inventory maps by census tract. Standard FEMA maps may not account for 'flash flooding' from intense rain events.

FEMA Designation vs. Reality

Relatively Low

Relative Vulnerability

$1,001,957

Annualized Property Exposure

Primary Risks

Hurricane

$2,535,509

Expected Annual Loss for Zip Code 33605

89.3Score

Relatively High compared to US average

Inland Flooding

$1,001,957

Expected Annual Loss for Zip Code 33605

11.9Score

Relatively Low compared to US average

Tornado

$995,632

Expected Annual Loss for Zip Code 33605

76.3Score

Relatively High compared to US average

Financial Risk Inventory

MAJOR DRIVER

Hurricane

$2,535,509

Score: 89.3

MAJOR DRIVER

Inland Flooding

$1,001,957

Score: 11.9

MAJOR DRIVER

Tornado

$995,632

Score: 76.3

Cold Wave

$556,442

Score: 71.7

Coastal Flooding

$121,002

Score: 29.1

Heat Wave

$99,748

Score: 33.2

Lightning

$92,604

Score: 68.2

Hail

$80,549

Score: 62.7

Strong Wind

$19,900

Score: 21.5

Earthquake

$13,063

Score: 12.5

Wildfire

$137

Score: 14.4

Landslide

$46

Score: 41.9

Recommended Mitigation Strategies

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

🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 89.3

💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 11.9

🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 76.3

Methodology and Sources

Spatial Climate Risk Modeling

The Expected Annual Loss (EAL) and hazard risk scores are derived from the FEMA NRI zip code dataset using a population-weighted spatial join. Because Zip Codes and Census Tracts do not share perfectly aligned boundaries, we utilize US Census Block Group population centroids to identify where residents actually live.

Financial & Insurance Metrics

The pysical resilence score is calculated by synthesizing Expected Annual Loss (EAL) against the total building replacement value within a jurisdiction. This creates a "Loss Ratio" that measures physical resilience. We supplement this with ZIP-code level data from the U.S. Treasury's Federal Insurance Office (FIO), monitoring trends in premium growth, loss ratios, and policy non-renewals to identify emerging "Insurance Deserts."

Primary Data Sources

FEMA National Flood Hazard LayerHigh-resolution vector data for 100-year and 500-year flood zones.
U.S. Department of the TreasuryFIO ZIP-code level insurance data (2018–2022 Historical Set).
FEMA National Risk IndexBaseline hazard frequency and economic loss data (v1.20.0).
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population Statistics.

Nearby Locations

Zip Code 33602 Zip Code 33619 Zip Code 33610 Zip Code 33603 Zip Code 33606 Zip Code 33607