Climate Risk Summary

Zip Code 33461, Risk Profile

The primary drivers of climate-related financial risk in Atlantis, FL (33461) are Hurricane, Inland Flooding, and Heat Wave. 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

Hurricane

$5,347,380

Expected Annual Loss for Zip Code 33461

92.6Score

Very High compared to US average

33461
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$2,278,493

Expected Annual Loss for Zip Code 33461

27.3Score

Relatively Moderate compared to US average

33461
Minimal Estimated LossMax Estimated Loss

Heat Wave

$385,034

Expected Annual Loss for Zip Code 33461

63.4Score

Relatively Moderate compared to US average

33461
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$5,347,380
Score: 92.6
MAJOR DRIVER
Inland Flooding
$2,278,493
Score: 27.3
MAJOR DRIVER
Heat Wave
$385,034
Score: 63.4
UNUSUALLY HIGH
Lightning
$266,422
Score: 86.1
Tornado
$176,684
Score: 35.5
Strong Wind
$61,016
Score: 35.7
Cold Wave
$18,207
Score: 18.8
Earthquake
$5,849
Score: 4.4
Hail
$2,673
Score: 11.7
Wildfire
$1,582
Score: 28.0
Coastal Flooding
$1,254
Score: 19.7
Landslide
$17
Score: 42.5

Recommended Mitigation Strategies

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

🌀High Investment

Hurricane Mitigation

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

Risk Score: 92.6
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 27.3
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 63.4
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.1

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 33406Zip Code 33462Zip Code 33460Zip Code 33463Zip Code 33415Zip Code 33405