Climate Risk Summary

Zip Code 35207, Risk Profile

The primary drivers of climate-related financial risk in Birmingham, AL (35207) are Inland Flooding, Tornado, and Earthquake. This area also faces an unusually high intensity for Lightning compared to national averages.

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

$2,541,927

Expected Annual Loss for Zip Code 35207

75.1Score

Very High compared to US average

35207
Minimal Estimated LossMax Estimated Loss

Tornado

$833,134

Expected Annual Loss for Zip Code 35207

90.3Score

Very High compared to US average

35207
Minimal Estimated LossMax Estimated Loss

Earthquake

$562,630

Expected Annual Loss for Zip Code 35207

81.6Score

Relatively Moderate compared to US average

35207
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$2,541,927
Score: 75.1
MAJOR DRIVER
Tornado
$833,134
Score: 90.3
MAJOR DRIVER
Earthquake
$562,630
Score: 81.6
Cold Wave
$284,889
Score: 74.5
Heat Wave
$135,555
Score: 66.7
UNUSUALLY HIGH
Lightning
$64,459
Score: 80.5
Strong Wind
$51,859
Score: 61.5
Hurricane
$18,666
Score: 51.6
Ice Storm
$11,203
Score: 53.5
Winter Weather
$2,463
Score: 35.5
Hail
$1,887
Score: 21.0
Wildfire
$1,069
Score: 36.5
Landslide
$360
Score: 65.7

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: 75.1
🌪️High Investment

Tornado Mitigation

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

Risk Score: 90.3
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 81.6
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.5

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 35234Zip Code 35214Zip Code 35068Zip Code 35204Zip Code 35217Zip Code 35203