Climate Risk Summary

North Fort Myers, FL Risk Profile

The primary drivers of climate-related financial risk in North Fort Myers, 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 North Fort Myers.

Primary Risks

Hurricane

$14,289,229

Expected Annual Loss for North Fort Myers

96.4Score

Very High compared to US average

North Fort Myers
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$4,654,594

Expected Annual Loss for North Fort Myers

38.9Score

Relatively Moderate compared to US average

North Fort Myers
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$811,952

Expected Annual Loss for North Fort Myers

88.6Score

Relatively High compared to US average

North Fort Myers
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$14,289,229
Score: 96.4
MAJOR DRIVER
Inland Flooding
$4,654,594
Score: 38.9
MAJOR DRIVER
Coastal Flooding
$811,952
Score: 88.6
UNUSUALLY HIGH
Lightning
$431,567
Score: 88.7
Wildfire
$485,564
Score: 76.3
Tornado
$270,306
Score: 36.1
Heat Wave
$188,602
Score: 29.0
Cold Wave
$49,209
Score: 19.2
Strong Wind
$34,904
Score: 18.9
Earthquake
$8,067
Score: 5.1
Hail
$3,664
Score: 10.5
Drought
$1,402
Score: 9.3
Landslide
$8
Score: 29.1

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: 96.4
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.6
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.7
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 76.3

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

BuckinghamCape CoralFort MyersLochmoor Waterway EstatesPalmona Park

Zip Codes in North Fort Myers

339033390933917