Climate Risk Summary

Zip Code 32206, Risk Profile

The primary drivers of climate-related financial risk in Jacksonville, FL (32206) are Inland Flooding, Hurricane, and Cold Wave.

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

Inland Flooding

$2,571,421

Expected Annual Loss for Zip Code 32206

37.5Score

Relatively Moderate compared to US average

32206
Minimal Estimated LossMax Estimated Loss

Hurricane

$1,378,966

Expected Annual Loss for Zip Code 32206

85.0Score

Relatively High compared to US average

32206
Minimal Estimated LossMax Estimated Loss

Cold Wave

$454,140

Expected Annual Loss for Zip Code 32206

63.6Score

Relatively Moderate compared to US average

32206
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$2,571,421
Score: 37.5
MAJOR DRIVER
Hurricane
$1,378,966
Score: 85.0
MAJOR DRIVER
Cold Wave
$454,140
Score: 63.6
Tornado
$155,063
Score: 37.1
Heat Wave
$151,853
Score: 41.1
Earthquake
$146,670
Score: 47.0
Hail
$78,677
Score: 63.4
Lightning
$55,452
Score: 48.1
Strong Wind
$28,304
Score: 24.7
Coastal Flooding
$21,782
Score: 75.5
Wildfire
$574
Score: 18.7
Ice Storm
$219
Score: 1.1
Winter Weather
$105
Score: 13.1
Landslide
$6
Score: 35.2

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 37.5
🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 85.0
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 63.6

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 32208Zip Code 32202Zip Code 32209Zip Code 32277Zip Code 32211Zip Code 32207