Climate Risk Summary

Bear Creek, FL Risk Profile

The primary drivers of climate-related financial risk in Bear Creek, FL are Hurricane, Inland Flooding, and Coastal Flooding. 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 Bear Creek.

Primary Risks

Hurricane

$131,001

Expected Annual Loss for Bear Creek

90.9Score

Relatively High compared to US average

Bear Creek
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$80,678

Expected Annual Loss for Bear Creek

23.5Score

Relatively Low compared to US average

Bear Creek
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$47,954

Expected Annual Loss for Bear Creek

96.9Score

Relatively High compared to US average

Bear Creek
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$131,001
Score: 90.9
MAJOR DRIVER
Inland Flooding
$80,678
Score: 23.5
MAJOR DRIVER
Coastal Flooding
$47,954
Score: 96.9
Tornado
$40,519
Score: 70.3
Cold Wave
$32,138
Score: 74.3
UNUSUALLY HIGH
Lightning
$11,260
Score: 90.7
Heat Wave
$6,874
Score: 40.1
Hail
$2,633
Score: 58.2
Earthquake
$856
Score: 14.4
Strong Wind
$828
Score: 18.4
Wildfire
$27
Score: 41.3
Landslide
$0
Score: 33.1

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: 90.9
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 96.9
🌪️High Investment

Tornado Mitigation

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

Risk Score: 70.3
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 74.3
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.7
🧊Medium Investment

Hail Mitigation

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

Risk Score: 58.2

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

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

GulfportKenneth CitySt. Pete BeachSt. PetersburgSouth Pasadena

Zip Codes in Bear Creek

33707