Climate Risk Summary

Zip Code 33708, Risk Profile

The primary drivers of climate-related financial risk in Bay Pines, FL (33708) are Coastal Flooding, Hurricane, and Inland Flooding.

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

Coastal Flooding

$2,950,570

Expected Annual Loss for Zip Code 33708

98.1Score

Very High compared to US average

33708
Minimal Estimated LossMax Estimated Loss

Hurricane

$1,996,630

Expected Annual Loss for Zip Code 33708

88.7Score

Relatively High compared to US average

33708
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,002,809

Expected Annual Loss for Zip Code 33708

15.3Score

Relatively Moderate compared to US average

33708
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Coastal Flooding
$2,950,570
Score: 98.1
MAJOR DRIVER
Hurricane
$1,996,630
Score: 88.7
MAJOR DRIVER
Inland Flooding
$1,002,809
Score: 15.3
Tornado
$523,713
Score: 61.0
Cold Wave
$376,540
Score: 61.4
Lightning
$124,414
Score: 75.4
Heat Wave
$80,504
Score: 25.2
Hail
$40,701
Score: 53.1
Strong Wind
$11,815
Score: 15.5
Earthquake
$11,228
Score: 10.7
Wildfire
$986
Score: 34.2
Landslide
$0
Score: 8.2

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.1
🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 88.7
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 15.3

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

Nearby Locations

Zip Code 33772Zip Code 33744Zip Code 33776Zip Code 33710Zip Code 33706Zip Code 33777