Climate Risk Summary

Palm Bay, FL Risk Profile

The primary drivers of climate-related financial risk in Palm Bay, FL are Hurricane, Inland Flooding, and Tornado. This area also faces an unusually high intensity for Wildfire and Lightning compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Palm Bay.

Primary Risks

Hurricane

$41,968,385

Expected Annual Loss for Palm Bay

97.7Score

Very High compared to US average

Palm Bay
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$11,171,546

Expected Annual Loss for Palm Bay

44.5Score

Relatively Moderate compared to US average

Palm Bay
Minimal Estimated LossMax Estimated Loss

Tornado

$2,002,609

Expected Annual Loss for Palm Bay

58.6Score

Relatively Moderate compared to US average

Palm Bay
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$41,968,385
Score: 97.7
MAJOR DRIVER
Inland Flooding
$11,171,546
Score: 44.5
MAJOR DRIVER
Tornado
$2,002,609
Score: 58.6
UNUSUALLY HIGH
Wildfire
$977,057
Score: 85.3
UNUSUALLY HIGH
Lightning
$990,427
Score: 90.5
Strong Wind
$595,794
Score: 65.5
Heat Wave
$410,254
Score: 29.4
Cold Wave
$54,645
Score: 18.6
Coastal Flooding
$41,177
Score: 18.5
Hail
$20,936
Score: 22.0
Earthquake
$22,185
Score: 6.1
Drought
$1,149
Score: 12.6
Landslide
$238
Score: 56.2

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: 97.7
🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 58.6
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 85.3
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.5
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 65.5
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

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

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

Grant-ValkariaJune ParkMalabarMelbourneMelbourne Beach

Zip Codes in Palm Bay

329053290732908329093294832950