Climate Risk Summary

Zip Code 33417, Risk Profile

The primary drivers of climate-related financial risk in Haverhill, FL (33417) are Hurricane, Inland Flooding, and Heat Wave.

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

$4,282,957

Expected Annual Loss for Zip Code 33417

90.3Score

Relatively High compared to US average

33417
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,700,676

Expected Annual Loss for Zip Code 33417

11.9Score

Relatively Low compared to US average

33417
Minimal Estimated LossMax Estimated Loss

Heat Wave

$304,273

Expected Annual Loss for Zip Code 33417

48.8Score

Relatively Moderate compared to US average

33417
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$4,282,957
Score: 90.3
MAJOR DRIVER
Inland Flooding
$1,700,676
Score: 11.9
MAJOR DRIVER
Heat Wave
$304,273
Score: 48.8
Lightning
$211,690
Score: 75.0
Tornado
$141,165
Score: 29.4
Strong Wind
$43,141
Score: 24.7
Wildfire
$36,279
Score: 32.0
Cold Wave
$14,882
Score: 17.7
Earthquake
$3,892
Score: 3.1
Hail
$1,981
Score: 6.9
Landslide
$24
Score: 46.8

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: 90.3
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 11.9
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 48.8

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

Nearby Locations

Zip Code 33409Zip Code 33411Zip Code 33415Zip Code 33413Zip Code 33412Zip Code 33407