Climate Risk Summary

Neptune Beach, FL Risk Profile

The primary drivers of climate-related financial risk in Neptune Beach, FL are Inland Flooding, Hurricane, and Cold Wave. This area also faces an unusually high intensity for Coastal Flooding compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Neptune Beach.

Primary Risks

Inland Flooding

$894,076

Expected Annual Loss for Neptune Beach

22.5Score

Relatively Low compared to US average

Neptune Beach
Minimal Estimated LossMax Estimated Loss

Hurricane

$566,954

Expected Annual Loss for Neptune Beach

83.7Score

Relatively Moderate compared to US average

Neptune Beach
Minimal Estimated LossMax Estimated Loss

Cold Wave

$202,019

Expected Annual Loss for Neptune Beach

59.8Score

Relatively Moderate compared to US average

Neptune Beach
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$894,076
Score: 22.5
MAJOR DRIVER
Hurricane
$566,954
Score: 83.7
MAJOR DRIVER
Cold Wave
$202,019
Score: 59.8
UNUSUALLY HIGH
Coastal Flooding
$190,593
Score: 90.6
Heat Wave
$67,501
Score: 35.9
Tornado
$56,605
Score: 32.1
Earthquake
$35,891
Score: 33.0
Hail
$26,960
Score: 56.2
Lightning
$24,333
Score: 43.0
Wildfire
$19,590
Score: 47.0
Strong Wind
$10,157
Score: 19.6
Ice Storm
$86
Score: 0.8
Winter Weather
$44
Score: 12.6
Landslide
$2
Score: 25.3

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: 83.7
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 59.8
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.6
🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 56.2

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

Nearby Cities

Atlantic BeachFernandina BeachFruit CoveJacksonvilleJacksonville Beach

Zip Codes in Neptune Beach

32266