Climate Risk Summary

Lochmoor Waterway Estates, FL Risk Profile

The primary drivers of climate-related financial risk in Lochmoor Waterway Estates, FL are Hurricane, Inland Flooding, and Coastal Flooding. 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 Lochmoor Waterway Estates.

Primary Risks

Hurricane

$1,635,445

Expected Annual Loss for Lochmoor Waterway Estates

94.7Score

Very High compared to US average

Lochmoor Waterway Estates
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$443,333

Expected Annual Loss for Lochmoor Waterway Estates

17.4Score

Relatively Low compared to US average

Lochmoor Waterway Estates
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$134,307

Expected Annual Loss for Lochmoor Waterway Estates

94.4Score

Relatively High compared to US average

Lochmoor Waterway Estates
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$1,635,445
Score: 94.7
MAJOR DRIVER
Inland Flooding
$443,333
Score: 17.4
MAJOR DRIVER
Coastal Flooding
$134,307
Score: 94.4
UNUSUALLY HIGH
Lightning
$58,604
Score: 85.6
Tornado
$32,640
Score: 31.9
Heat Wave
$25,759
Score: 23.6
Strong Wind
$4,012
Score: 15.6
Cold Wave
$2,303
Score: 17.2
Wildfire
$1,160
Score: 35.7
Hail
$425
Score: 7.4
Earthquake
$364
Score: 1.5
Landslide
$1
Score: 23.8

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: 94.7
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 94.4
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.6

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

Cape CoralFort MyersMcGregorNorth Fort MyersPalmona Park

Zip Codes in Lochmoor Waterway Estates

3390333990