Climate Risk Summary

Dunedin, FL Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Hurricane

$3,914,383

Expected Annual Loss for Dunedin

90.2Score

Relatively High compared to US average

Dunedin
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$3,198,664

Expected Annual Loss for Dunedin

35.4Score

Relatively Moderate compared to US average

Dunedin
Minimal Estimated LossMax Estimated Loss

Tornado

$1,228,674

Expected Annual Loss for Dunedin

69.5Score

Relatively High compared to US average

Dunedin
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$3,914,383
Score: 90.2
MAJOR DRIVER
Inland Flooding
$3,198,664
Score: 35.4
MAJOR DRIVER
Tornado
$1,228,674
Score: 69.5
Cold Wave
$920,548
Score: 71.6
UNUSUALLY HIGH
Coastal Flooding
$391,291
Score: 80.6
UNUSUALLY HIGH
Lightning
$280,040
Score: 83.4
Heat Wave
$196,922
Score: 37.2
Hail
$79,359
Score: 56.8
Strong Wind
$26,638
Score: 18.9
Earthquake
$14,518
Score: 9.6
Wildfire
$3,606
Score: 48.8
Landslide
$6
Score: 15.8

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: 90.2
🌪️High Investment

Tornado Mitigation

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

Risk Score: 69.5
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 71.6
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.6
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 83.4
🧊Medium Investment

Hail Mitigation

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

Risk Score: 56.8

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

BelleairClearwaterEast LakeGreenbriarOldsmar

Zip Codes in Dunedin

337553376133763346833468434698
Climate Risk Analysis for Dunedin, FL