Climate Risk for Zip Code 75035

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 75035 are Tornado, Inland Flooding, and Hail.

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

Tornado

$30,630,985

Expected Annual Loss for Zip Code 75035

99.6Score

Very High compared to US average

Inland Flooding

$11,092,158

Expected Annual Loss for Zip Code 75035

52.1Score

Very Low compared to US average

Hail

$6,801,286

Expected Annual Loss for Zip Code 75035

98.1Score

Very High compared to US average

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Tornado
$30,630,985
Score: 99.6
MAJOR DRIVER
Inland Flooding
$11,092,158
Score: 52.1
MAJOR DRIVER
Hail
$6,801,286
Score: 98.1
Cold Wave
$1,343,730
Score: 62.3
Heat Wave
$1,319,105
Score: 71.0
Strong Wind
$187,072
Score: 41.8
Earthquake
$165,905
Score: 29.7
Ice Storm
$109,890
Score: 58.2
Lightning
$45,953
Score: 20.5
Winter Weather
$45,028
Score: 52.9
Wildfire
$20,185
Score: 51.0
Hurricane
$19,774
Score: 36.2
Drought
$960
Score: 47.5
Landslide
$23
Score: 30.5

Recommended Mitigation Strategies

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

🌪️High Investment

Tornado Mitigation

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

Risk Score: 99.6
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 52.1
🧊Medium Investment

Hail Mitigation

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

Risk Score: 98.1

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 75072Zip Code 75033Zip Code 75034Zip Code 75070Zip Code 75025Zip Code 75071
75035 Climate Risk Report | Financial & Hazard Analysis