Climate Risk Summary

Zip Code 33142, Risk Profile

The primary drivers of climate-related financial risk in Miami, FL (33142) are Hurricane, Inland Flooding, and Heat Wave.

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

$7,941,449

Expected Annual Loss for Zip Code 33142

90.7Score

Very High compared to US average

33142
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$5,164,310

Expected Annual Loss for Zip Code 33142

36.8Score

Relatively Moderate compared to US average

33142
Minimal Estimated LossMax Estimated Loss

Heat Wave

$645,395

Expected Annual Loss for Zip Code 33142

68.9Score

Relatively Moderate compared to US average

33142
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$7,941,449
Score: 90.7
MAJOR DRIVER
Inland Flooding
$5,164,310
Score: 36.8
MAJOR DRIVER
Heat Wave
$645,395
Score: 68.9
Tornado
$511,670
Score: 45.6
Cold Wave
$509,957
Score: 52.1
Coastal Flooding
$244,412
Score: 71.0
Lightning
$175,156
Score: 65.9
Hail
$65,152
Score: 42.6
Strong Wind
$21,239
Score: 14.7
Earthquake
$10,057
Score: 5.0
Wildfire
$5,274
Score: 0.6
Landslide
$93
Score: 11.7

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: 90.7
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 36.8
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 68.9

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 33010Zip Code 33166Zip Code 33125Zip Code 33126Zip Code 33147Zip Code 33013