Climate Risk Summary

Zip Code 32352, Risk Profile

The primary drivers of climate-related financial risk in Quincy, FL (32352) are Hurricane, Inland Flooding, and Tornado. This area also faces an unusually high intensity for Cold Wave, Drought, Lightning, and Wildfire compared to national averages.

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

$1,108,017

Expected Annual Loss for Zip Code 32352

95.3Score

Relatively High compared to US average

32352
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$969,376

Expected Annual Loss for Zip Code 32352

72.4Score

Relatively High compared to US average

32352
Minimal Estimated LossMax Estimated Loss

Tornado

$521,105

Expected Annual Loss for Zip Code 32352

95.4Score

Very High compared to US average

32352
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$1,108,017
Score: 95.3
MAJOR DRIVER
Inland Flooding
$969,376
Score: 72.4
MAJOR DRIVER
Tornado
$521,105
Score: 95.4
UNUSUALLY HIGH
Cold Wave
$474,982
Score: 95.1
UNUSUALLY HIGH
Drought
$122,833
Score: 94.9
UNUSUALLY HIGH
Lightning
$107,382
Score: 98.5
Heat Wave
$90,452
Score: 76.8
UNUSUALLY HIGH
Wildfire
$45,699
Score: 91.7
Strong Wind
$34,759
Score: 70.6
Earthquake
$24,223
Score: 45.8
Hail
$12,060
Score: 59.4
Winter Weather
$1,733
Score: 41.8
Landslide
$71
Score: 76.3

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: 95.3
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 72.4
🌪️High Investment

Tornado Mitigation

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

Risk Score: 95.4
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 95.1
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 94.9
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.5
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 91.7

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 32351Zip Code 39819Zip Code 39815Zip Code 32332Zip Code 32333Zip Code 32324