Climate Risk Summary

Zip Code 34949, Risk Profile

The primary drivers of climate-related financial risk in Fort Pierce, FL (34949) are Hurricane, Inland Flooding, and Coastal Flooding. This area also faces an unusually high intensity for Lightning compared to national averages.

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

$4,490,930

Expected Annual Loss for Zip Code 34949

98.8Score

Very High compared to US average

34949
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$555,848

Expected Annual Loss for Zip Code 34949

24.4Score

Relatively Low compared to US average

34949
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$289,727

Expected Annual Loss for Zip Code 34949

96.6Score

Relatively High compared to US average

34949
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$4,490,930
Score: 98.8
MAJOR DRIVER
Inland Flooding
$555,848
Score: 24.4
MAJOR DRIVER
Coastal Flooding
$289,727
Score: 96.6
Tornado
$115,811
Score: 52.5
UNUSUALLY HIGH
Lightning
$71,599
Score: 89.6
Strong Wind
$49,942
Score: 67.2
Heat Wave
$31,688
Score: 28.3
Hail
$1,829
Score: 23.2
Earthquake
$1,691
Score: 6.3
Wildfire
$1,679
Score: 63.2
Cold Wave
$1,431
Score: 16.6
Landslide
$9
Score: 44.7

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: 98.8
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 24.4
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 96.6
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.6

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 34950Zip Code 34946Zip Code 34982Zip Code 34947Zip Code 34981Zip Code 34951