Climate Risk Summary

Berkshire Lakes, FL Risk Profile

The primary drivers of climate-related financial risk in Berkshire Lakes, FL are Inland Flooding, Hurricane, and Lightning. This area also faces an unusually high intensity for Coastal Flooding and Wildfire compared to national averages.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$1,774,999

Expected Annual Loss for Berkshire Lakes

96.9Score

Very High compared to US average

Berkshire Lakes
Minimal Estimated LossMax Estimated Loss

Hurricane

$1,696,222

Expected Annual Loss for Berkshire Lakes

98.4Score

Very High compared to US average

Berkshire Lakes
Minimal Estimated LossMax Estimated Loss

Lightning

$35,188

Expected Annual Loss for Berkshire Lakes

91.8Score

Relatively High compared to US average

Berkshire Lakes
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$1,774,999
Score: 96.9
MAJOR DRIVER
Hurricane
$1,696,222
Score: 98.4
MAJOR DRIVER
Lightning
$35,188
Score: 91.8
Heat Wave
$27,613
Score: 50.8
UNUSUALLY HIGH
Coastal Flooding
$21,894
Score: 91.3
Tornado
$20,570
Score: 36.6
Cold Wave
$17,162
Score: 34.3
UNUSUALLY HIGH
Wildfire
$6,151
Score: 83.0
Strong Wind
$3,386
Score: 22.4
Earthquake
$932
Score: 7.5
Hail
$192
Score: 7.5
Landslide
$1
Score: 43.0

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: 96.9
🌀High Investment

Hurricane Mitigation

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

Risk Score: 98.4
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.8
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 50.8
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.3
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 83.0

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

Golden GateIsland WalkLelyLely ResortNaples

Zip Codes in Berkshire Lakes