Climate Risk for Zip Code 77565

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 77565 are Inland Flooding, Cold Wave, and Hurricane. This area also faces an unusually high intensity for Coastal Flooding compared to national averages.

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

$1,592,968

Expected Annual Loss for Zip Code 77565

27.9Score

Very Low compared to US average

Cold Wave

$1,312,971

Expected Annual Loss for Zip Code 77565

86.8Score

Very High compared to US average

Hurricane

$1,275,293

Expected Annual Loss for Zip Code 77565

85.6Score

Relatively Moderate compared to US average

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$1,592,968
Score: 27.9
MAJOR DRIVER
Cold Wave
$1,312,971
Score: 86.8
MAJOR DRIVER
Hurricane
$1,275,293
Score: 85.6
Tornado
$467,386
Score: 59.5
UNUSUALLY HIGH
Coastal Flooding
$175,054
Score: 90.9
Heat Wave
$119,211
Score: 37.1
Lightning
$71,009
Score: 58.7
Ice Storm
$30,316
Score: 57.7
Strong Wind
$17,074
Score: 20.1
Hail
$15,373
Score: 37.5
Earthquake
$9,973
Score: 10.8
Wildfire
$758
Score: 28.7
Winter Weather
$356
Score: 15.9
Landslide
$11
Score: 43.3

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: 27.9
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.8
🌀High Investment

Hurricane Mitigation

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

Risk Score: 85.6
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.9

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 77573Zip Code 77586Zip Code 77518Zip Code 77539Zip Code 77058Zip Code 77507
77565 Climate Risk Report | Financial & Hazard Analysis