Climate Risk Summary

Zip Code 33767, Risk Profile

The primary drivers of climate-related financial risk in Clearwater, FL (33767) are Hurricane, Coastal Flooding, 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

Hurricane

$1,764,608

Expected Annual Loss for Zip Code 33767

91.3Score

Relatively High compared to US average

33767
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$1,389,585

Expected Annual Loss for Zip Code 33767

98.5Score

Relatively High compared to US average

33767
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$635,018

Expected Annual Loss for Zip Code 33767

11.2Score

Relatively Low compared to US average

33767
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$1,764,608
Score: 91.3
MAJOR DRIVER
Coastal Flooding
$1,389,585
Score: 98.5
MAJOR DRIVER
Inland Flooding
$635,018
Score: 11.2
Tornado
$361,819
Score: 63.4
Cold Wave
$164,277
Score: 52.2
Lightning
$76,796
Score: 75.9
Hail
$36,689
Score: 59.8
Heat Wave
$35,080
Score: 17.3
Strong Wind
$9,703
Score: 17.9
Earthquake
$3,471
Score: 7.0
Wildfire
$143
Score: 14.6
Landslide
$1
Score: 10.9

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: 91.3
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.5
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 11.2

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

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

Nearby Locations

Zip Code 33755Zip Code 33756Zip Code 34698Zip Code 33786Zip Code 33770Zip Code 33765
33767 Climate Risk Report | Clearwater, FL