Climate Risk for Zip Code 75074

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 75074 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

$20,740,949

Expected Annual Loss for Zip Code 75074

99.7Score

Very High compared to US average

Inland Flooding

$6,831,885

Expected Annual Loss for Zip Code 75074

42.2Score

Very Low compared to US average

Hail

$4,748,282

Expected Annual Loss for Zip Code 75074

97.5Score

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
$20,740,949
Score: 99.7
MAJOR DRIVER
Inland Flooding
$6,831,885
Score: 42.2
MAJOR DRIVER
Hail
$4,748,282
Score: 97.5
Cold Wave
$908,257
Score: 61.0
Heat Wave
$891,544
Score: 71.1
Earthquake
$198,034
Score: 36.5
Strong Wind
$126,794
Score: 39.2
Ice Storm
$76,275
Score: 54.4
Lightning
$31,747
Score: 16.4
Winter Weather
$30,627
Score: 50.7
Hurricane
$13,686
Score: 34.5
Wildfire
$10,106
Score: 42.4
Drought
$52
Score: 18.3
Landslide
$23
Score: 39.3

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: 99.7
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 42.2
🧊Medium Investment

Hail Mitigation

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

Risk Score: 97.5

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 75002Zip Code 75023Zip Code 75082Zip Code 75094Zip Code 75075Zip Code 75025
75074 Climate Risk Report | Financial & Hazard Analysis