Climate Risk for Zip Code 77388

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 77388 are Inland Flooding, Hurricane, and Tornado.

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

Inland Flooding

$9,411,438

Expected Annual Loss for Zip Code 77388

66.2Score

Relatively Moderate compared to US average

Hurricane

$4,968,487

Expected Annual Loss for Zip Code 77388

89.5Score

Relatively Moderate compared to US average

Tornado

$4,506,877

Expected Annual Loss for Zip Code 77388

90.6Score

Very High compared to US average

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$9,411,438
Score: 66.2
MAJOR DRIVER
Hurricane
$4,968,487
Score: 89.5
MAJOR DRIVER
Tornado
$4,506,877
Score: 90.6
Cold Wave
$1,263,381
Score: 70.8
Heat Wave
$858,032
Score: 72.1
Lightning
$92,230
Score: 42.0
Strong Wind
$83,586
Score: 31.6
Earthquake
$52,523
Score: 18.0
Ice Storm
$46,788
Score: 47.0
Hail
$17,363
Score: 27.5
Wildfire
$4,102
Score: 49.3
Winter Weather
$3,178
Score: 20.9
Landslide
$271
Score: 68.3

Recommended Mitigation Strategies

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

💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 66.2
🌀High Investment

Hurricane Mitigation

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

Risk Score: 89.5
🌪️High Investment

Tornado Mitigation

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

Risk Score: 90.6

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 77389Zip Code 77090Zip Code 77379Zip Code 77373Zip Code 77068Zip Code 77380
77388 Climate Risk Report | Financial & Hazard Analysis