Climate Risk Atlas/TX/Munday/76363

Munday, TX (76363) Drought & Climate Risk Profile

The primary drivers of climate-related financial risk in Munday, TX (76363) are Drought, Strong Wind, and Inland Flooding. This area also faces an unusually high intensity for Hail and Wildfire compared to national averages.

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 76363

FEMA Flood Maps for 76363 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
$316,133
Annualized Property Exposure

Primary Risks

Drought

$2,255,100

Expected Annual Loss for Zip Code 76363

99.7Score

Very High compared to US average

Strong Wind

$548,643

Expected Annual Loss for Zip Code 76363

99.3Score

Very High compared to US average

Inland Flooding

$316,133

Expected Annual Loss for Zip Code 76363

18.6Score

Relatively Low compared to US average

Financial Risk Inventory

MAJOR DRIVER
Drought
$2,255,100
Score: 99.7
MAJOR DRIVER
Strong Wind
$548,643
Score: 99.3
MAJOR DRIVER
Inland Flooding
$316,133
Score: 18.6
UNUSUALLY HIGH
Hail
$252,849
Score: 96.6
Tornado
$217,801
Score: 73.5
Heat Wave
$53,686
Score: 57.7
UNUSUALLY HIGH
Wildfire
$32,842
Score: 89.7
Cold Wave
$15,319
Score: 28.5
Ice Storm
$11,270
Score: 69.1
Earthquake
$9,111
Score: 24.9
Winter Weather
$6,225
Score: 68.7
Hurricane
$5,193
Score: 46.5
Lightning
$3,316
Score: 18.1
Landslide
$49
Score: 74.8

Recommended Mitigation Strategies

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

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.7
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 99.3
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 18.6
🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 96.6
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 89.7

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

Nearby Locations

Zip Code 76380Zip Code 76371