Climate Risk Summary

Clearwater, FL Risk Profile

The primary drivers of climate-related financial risk in Clearwater, FL are Hurricane, Inland Flooding, and Tornado. 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 Clearwater.

Primary Risks

Hurricane

$13,510,284

Expected Annual Loss for Clearwater

90.0Score

Very High compared to US average

Clearwater
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$8,073,344

Expected Annual Loss for Clearwater

26.9Score

Relatively Moderate compared to US average

Clearwater
Minimal Estimated LossMax Estimated Loss

Tornado

$3,792,096

Expected Annual Loss for Clearwater

69.2Score

Relatively High compared to US average

Clearwater
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$13,510,284
Score: 90.0
MAJOR DRIVER
Inland Flooding
$8,073,344
Score: 26.9
MAJOR DRIVER
Tornado
$3,792,096
Score: 69.2
Cold Wave
$2,816,584
Score: 71.0
UNUSUALLY HIGH
Lightning
$954,146
Score: 85.3
Coastal Flooding
$1,581,011
Score: 58.4
Heat Wave
$597,507
Score: 37.1
Hail
$275,020
Score: 56.5
Strong Wind
$84,341
Score: 19.2
Earthquake
$57,452
Score: 11.3
Wildfire
$7,153
Score: 32.8
Drought
$1,284
Score: 1.1
Landslide
$6
Score: 12.3

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: 90.0
🌪️High Investment

Tornado Mitigation

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

Risk Score: 69.2
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 71.0
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.3
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 58.4
🧊Medium Investment

Hail Mitigation

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

Risk Score: 56.5

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

BelleairBelleair BeachBelleair BluffsDunedinGreenbriar

Zip Codes in Clearwater

337553375633759337613376333764337653376734695