Climate Risk Summary

Zip Code 32258, Risk Profile

The primary drivers of climate-related financial risk in Jacksonville, FL (32258) are Inland Flooding, Hurricane, and Cold Wave. This area also faces an unusually high intensity for Coastal Flooding 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

Inland Flooding

$5,218,208

Expected Annual Loss for Zip Code 32258

68.1Score

Very High compared to US average

32258
Minimal Estimated LossMax Estimated Loss

Hurricane

$2,485,096

Expected Annual Loss for Zip Code 32258

89.4Score

Relatively High compared to US average

32258
Minimal Estimated LossMax Estimated Loss

Cold Wave

$948,447

Expected Annual Loss for Zip Code 32258

78.8Score

Relatively High compared to US average

32258
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
$5,218,208
Score: 68.1
MAJOR DRIVER
Hurricane
$2,485,096
Score: 89.4
MAJOR DRIVER
Cold Wave
$948,447
Score: 78.8
Heat Wave
$321,621
Score: 63.4
Tornado
$272,304
Score: 47.2
Lightning
$139,839
Score: 74.4
Hail
$117,590
Score: 69.9
Earthquake
$83,542
Score: 37.2
UNUSUALLY HIGH
Coastal Flooding
$59,386
Score: 81.5
Wildfire
$56,083
Score: 77.2
Strong Wind
$47,209
Score: 36.4
Ice Storm
$393
Score: 1.6
Winter Weather
$221
Score: 14.7
Drought
$53
Score: 25.6
Landslide
$6
Score: 32.9

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: 68.1
🌀High Investment

Hurricane Mitigation

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

Risk Score: 89.4
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 78.8
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 81.5

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 32259Zip Code 32256Zip Code 32257Zip Code 32223Zip Code 32081Zip Code 32092