Climate Risk Summary

Zip Code 33154, Risk Profile

The primary drivers of climate-related financial risk in Bal Harbour, FL (33154) are Hurricane, Inland Flooding, and Coastal Flooding.

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

$2,322,174

Expected Annual Loss for Zip Code 33154

93.5Score

Relatively High compared to US average

33154
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$885,146

Expected Annual Loss for Zip Code 33154

21.9Score

Relatively Low compared to US average

33154
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$284,421

Expected Annual Loss for Zip Code 33154

94.7Score

Relatively High compared to US average

33154
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$2,322,174
Score: 93.5
MAJOR DRIVER
Inland Flooding
$885,146
Score: 21.9
MAJOR DRIVER
Coastal Flooding
$284,421
Score: 94.7
Tornado
$176,004
Score: 49.7
Heat Wave
$145,589
Score: 59.0
Cold Wave
$110,436
Score: 43.5
Lightning
$37,675
Score: 54.5
Hail
$22,420
Score: 51.8
Strong Wind
$7,316
Score: 15.8
Earthquake
$1,217
Score: 3.0
Wildfire
$33
Score: 11.3
Landslide
$0
Score: 1.4

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: 93.5
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 21.9
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 94.7

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 33181Zip Code 33141Zip Code 33160Zip Code 33138Zip Code 33161Zip Code 33162
33154 Climate Risk Report | Bal Harbour, FL