Climate Risk Summary

Selma, AL Risk Profile

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

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Selma.

Primary Risks

Inland Flooding

$4,436,479

Expected Annual Loss for Selma

67.0Score

Relatively High compared to US average

Selma
Minimal Estimated LossMax Estimated Loss

Tornado

$1,214,519

Expected Annual Loss for Selma

80.1Score

Relatively High compared to US average

Selma
Minimal Estimated LossMax Estimated Loss

Earthquake

$540,845

Expected Annual Loss for Selma

72.7Score

Relatively Moderate compared to US average

Selma
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$4,436,479
Score: 67.0
MAJOR DRIVER
Tornado
$1,214,519
Score: 80.1
MAJOR DRIVER
Earthquake
$540,845
Score: 72.7
Heat Wave
$414,705
Score: 75.1
Hurricane
$282,824
Score: 70.2
UNUSUALLY HIGH
Lightning
$260,026
Score: 92.3
Strong Wind
$249,334
Score: 78.6
Cold Wave
$180,147
Score: 43.6
Hail
$44,631
Score: 54.7
Ice Storm
$20,267
Score: 45.4
Winter Weather
$1,745
Score: 22.1
Drought
$1,111
Score: 26.5
Wildfire
$1,295
Score: 43.6
Landslide
$2
Score: 28.1

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: 67.0
🌪️High Investment

Tornado Mitigation

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

Risk Score: 80.1
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.7
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 75.1
🌀High Investment

Hurricane Mitigation

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

Risk Score: 70.2
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.3
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 78.6
🧊Medium Investment

Hail Mitigation

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

Risk Score: 54.7

Sources and Methodology

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

Nearby Cities

BrentCamdenCentrevilleClantonPrattville

Zip Codes in Selma

3670136703