Climate Risk for Zip Code 21811

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 21811 are Hurricane, Inland Flooding, and Coastal Flooding.

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

Hurricane

$3,174,563

Expected Annual Loss for Zip Code 21811

89.4Score

Relatively Moderate compared to US average

Inland Flooding

$1,748,470

Expected Annual Loss for Zip Code 21811

16.1Score

Very Low compared to US average

Coastal Flooding

$926,108

Expected Annual Loss for Zip Code 21811

91.5Score

Relatively Moderate compared to US average

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$3,174,563
Score: 89.4
MAJOR DRIVER
Inland Flooding
$1,748,470
Score: 16.1
MAJOR DRIVER
Coastal Flooding
$926,108
Score: 91.5
Cold Wave
$864,146
Score: 72.8
Heat Wave
$212,309
Score: 43.8
Strong Wind
$112,924
Score: 50.6
Earthquake
$79,903
Score: 30.8
Drought
$68,397
Score: 62.3
Lightning
$64,484
Score: 45.4
Tornado
$56,812
Score: 20.3
Winter Weather
$54,741
Score: 76.7
Ice Storm
$38,466
Score: 54.7
Wildfire
$36,883
Score: 78.7
Hail
$6,800
Score: 19.0
Landslide
$18
Score: 35.5

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: 89.4
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 16.1
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.5

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 21841Zip Code 21862Zip Code 21842Zip Code 21813Zip Code 21872Zip Code 21874
21811 Climate Risk Report | Financial & Hazard Analysis