Climate Risk Summary

Zip Code 34217, Risk Profile

The primary drivers of climate-related financial risk in Holmes Beach, FL (34217) are Coastal Flooding, Hurricane, and Inland 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

Coastal Flooding

$5,596,383

Expected Annual Loss for Zip Code 34217

99.9Score

Very High compared to US average

34217 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Hurricane

$2,550,277

Expected Annual Loss for Zip Code 34217

96.8Score

Relatively High compared to US average

34217
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$443,734

Expected Annual Loss for Zip Code 34217

18.4Score

Relatively Low compared to US average

34217
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Coastal Flooding
$5,596,383
Score: 99.9
MAJOR DRIVER
Hurricane
$2,550,277
Score: 96.8
MAJOR DRIVER
Inland Flooding
$443,734
Score: 18.4
Tornado
$190,593
Score: 62.3
Lightning
$39,125
Score: 74.2
Heat Wave
$20,499
Score: 18.0
Strong Wind
$8,401
Score: 23.4
Cold Wave
$4,164
Score: 18.5
Wildfire
$1,637
Score: 36.7
Hail
$671
Score: 11.8
Earthquake
$536
Score: 2.2
Landslide
$2
Score: 36.6

Recommended Mitigation Strategies

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

🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.9
🌀High Investment

Hurricane Mitigation

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

Risk Score: 96.8
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 18.4

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

Nearby Locations

Zip Code 34209Zip Code 34215Zip Code 34216Zip Code 34210Zip Code 34228Zip Code 34221