Climate Risk Summary

Zip Code 34145, Risk Profile

The primary drivers of climate-related financial risk in Marco Island, FL (34145) 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

$14,023,900

Expected Annual Loss for Zip Code 34145

99.1Score

Very High compared to US average

34145

Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,618,046

Expected Annual Loss for Zip Code 34145

31.5Score

Relatively Low compared to US average

34145

Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$1,269,403

Expected Annual Loss for Zip Code 34145

97.2Score

Relatively High compared to US average

34145

Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Hurricane

$14,023,900

Score: 99.1

MAJOR DRIVER

Inland Flooding

$1,618,046

Score: 31.5

MAJOR DRIVER

Coastal Flooding

$1,269,403

Score: 97.2

UNUSUALLY HIGH

Lightning

$186,239

Score: 89.3

Heat Wave

$129,520

Score: 43.8

Cold Wave

$119,446

Score: 38.0

Tornado

$89,781

Score: 32.8

Strong Wind

$13,841

Score: 18.5

Earthquake

$4,547

Score: 6.6

Wildfire

$1,191

Score: 41.8

Hail

$710

Score: 4.5

Landslide

$316

Score: 69.8

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: 99.1

💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 31.5

🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 97.2

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.3

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 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 34140 Zip Code 34114 Zip Code 34113 Zip Code 34101 Zip Code 34117 Zip Code 34112