Climate Risk Summary

Fort Myers Shores, FL Risk Profile

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

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Fort Myers Shores.

Primary Risks

Hurricane

$1,085,322

Expected Annual Loss for Fort Myers Shores

96.3Score

Relatively High compared to US average

Fort Myers Shores

Minimal Estimated LossMax Estimated Loss

Inland Flooding

$439,066

Expected Annual Loss for Fort Myers Shores

48.0Score

Relatively Low compared to US average

Fort Myers Shores

Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$82,633

Expected Annual Loss for Fort Myers Shores

95.2Score

Relatively Moderate compared to US average

Fort Myers Shores

Minimal Estimated LossMax Estimated Loss

City Boundary

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Hurricane

$1,085,322

Score: 96.3

MAJOR DRIVER

Inland Flooding

$439,066

Score: 48.0

MAJOR DRIVER

Coastal Flooding

$82,633

Score: 95.2

UNUSUALLY HIGH

Lightning

$46,560

Score: 94.3

UNUSUALLY HIGH

Wildfire

$21,935

Score: 89.6

Tornado

$21,142

Score: 35.5

Heat Wave

$20,741

Score: 37.7

Strong Wind

$2,743

Score: 18.6

Cold Wave

$2,029

Score: 18.6

Earthquake

$321

Score: 2.8

Hail

$308

Score: 11.2

Landslide

Score: 42.0

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: 96.3

🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 95.2

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 94.3

🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 89.6

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

Alva Buckingham Fort Myers Lehigh Acres North Fort Myers

Zip Codes in Fort Myers Shores

33905