Climate Risk Summary

Port St. Lucie, FL Risk Profile

The primary drivers of climate-related financial risk in Port St. Lucie, FL are Hurricane, Inland Flooding, and Tornado. 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 Port St. Lucie.

Primary Risks

Hurricane

$82,250,235

Expected Annual Loss for Port St. Lucie

97.7Score

Very High compared to US average

Port St. Lucie
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$21,266,003

Expected Annual Loss for Port St. Lucie

49.0Score

Relatively High compared to US average

Port St. Lucie
Minimal Estimated LossMax Estimated Loss

Tornado

$2,436,104

Expected Annual Loss for Port St. Lucie

52.2Score

Relatively Moderate compared to US average

Port St. Lucie
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$82,250,235
Score: 97.7
MAJOR DRIVER
Inland Flooding
$21,266,003
Score: 49.0
MAJOR DRIVER
Tornado
$2,436,104
Score: 52.2
UNUSUALLY HIGH
Lightning
$1,784,321
Score: 90.1
Strong Wind
$1,046,952
Score: 65.3
Heat Wave
$881,736
Score: 37.1
Wildfire
$292,802
Score: 67.2
Coastal Flooding
$137,190
Score: 28.3
Cold Wave
$53,284
Score: 17.8
Earthquake
$71,211
Score: 10.0
Hail
$46,950
Score: 25.5
Drought
$21,717
Score: 12.1
Landslide
$11
Score: 9.1

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: 97.7
🌪️High Investment

Tornado Mitigation

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

Risk Score: 52.2
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.1
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 65.3
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 67.2

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

Fort PierceFort Pierce SouthIndian River EstatesJensen BeachNorth River Shores

Zip Codes in Port St. Lucie

3494534952349533495734982349833498434986349873499034994