Climate Risk Summary

Gateway, FL Risk Profile

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

Primary Risks

Hurricane

$4,526,065

Expected Annual Loss for Gateway

95.9Score

Relatively High compared to US average

Gateway
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,504,062

Expected Annual Loss for Gateway

35.8Score

Relatively Low compared to US average

Gateway
Minimal Estimated LossMax Estimated Loss

Wildfire

$287,779

Expected Annual Loss for Gateway

93.2Score

Relatively Moderate compared to US average

Gateway
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$4,526,065
Score: 95.9
MAJOR DRIVER
Inland Flooding
$1,504,062
Score: 35.8
MAJOR DRIVER
Wildfire
$287,779
Score: 93.2
UNUSUALLY HIGH
Lightning
$119,130
Score: 82.6
Tornado
$76,326
Score: 32.7
Heat Wave
$51,066
Score: 22.0
Strong Wind
$10,559
Score: 17.2
Cold Wave
$6,392
Score: 17.6
Hail
$887
Score: 7.1
Earthquake
$811
Score: 1.5
Landslide
$5
Score: 41.8

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: 95.9
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 93.2
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.6

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

BuckinghamFlorida Gulf Coast UniversityFort MyersLehigh AcresSan Carlos Park

Zip Codes in Gateway

33913