Climate Risk Summary

Zip Code 34652, Risk Profile

The primary drivers of climate-related financial risk in Beacon Square, FL (34652) are Hurricane, Inland Flooding, and Coastal Flooding.

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

$3,598,065

Expected Annual Loss for Zip Code 34652

90.8Score

Relatively High compared to US average

34652

Minimal Estimated LossMax Estimated Loss

Inland Flooding

$2,438,201

Expected Annual Loss for Zip Code 34652

33.0Score

Relatively Moderate compared to US average

34652

Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$1,932,899

Expected Annual Loss for Zip Code 34652

90.9Score

Very High compared to US average

34652

Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Hurricane

$3,598,065

Score: 90.8

MAJOR DRIVER

Inland Flooding

$2,438,201

Score: 33.0

MAJOR DRIVER

Coastal Flooding

$1,932,899

Score: 90.9

Tornado

$1,178,857

Score: 73.7

Heat Wave

$143,166

Score: 34.2

Lightning

$125,833

Score: 68.1

Strong Wind

$41,583

Score: 29.2

Cold Wave

$27,425

Score: 20.4

Earthquake

$6,948

Score: 6.2

Wildfire

$5,124

Score: 51.1

Hail

$1,648

Score: 8.0

Landslide

$20

Score: 44.1

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: 90.8

💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 33.0

🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.9

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 34691 Zip Code 34653 Zip Code 34690 Zip Code 34668 Zip Code 34655 Zip Code 34689