Climate Risk Summary

Sebring, FL Risk Profile

The primary drivers of climate-related financial risk in Sebring, FL are Hurricane, Strong Wind, and Inland Flooding. 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 Sebring.

Primary Risks

Hurricane

$1,949,523

Expected Annual Loss for Sebring

92.6Score

Relatively High compared to US average

Sebring
Minimal Estimated LossMax Estimated Loss

Strong Wind

$1,898,388

Expected Annual Loss for Sebring

99.8Score

Very High compared to US average

Sebring (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,175,152

Expected Annual Loss for Sebring

36.4Score

Relatively Moderate compared to US average

Sebring
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$1,949,523
Score: 92.6
MAJOR DRIVER
Strong Wind
$1,898,388
Score: 99.8
MAJOR DRIVER
Inland Flooding
$1,175,152
Score: 36.4
Tornado
$389,135
Score: 67.2
UNUSUALLY HIGH
Lightning
$159,710
Score: 92.7
Wildfire
$60,655
Score: 78.7
Heat Wave
$84,054
Score: 43.7
Cold Wave
$41,921
Score: 25.8
Hail
$8,468
Score: 35.7
Earthquake
$5,654
Score: 9.7
Drought
$6,074
Score: 77.2
Landslide
$4
Score: 39.9

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: 92.6
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 99.8
🌪️High Investment

Tornado Mitigation

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

Risk Score: 67.2
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.7
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 78.7
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 77.2

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

Nearby Cities

AlturasAvon ParkBowling GreenFrostproofHighland Park

Zip Codes in Sebring

33870338723387533876