Climate Risk Summary

Zip Code 33706, Risk Profile

The primary drivers of climate-related financial risk in St. Pete Beach, FL (33706) 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

$3,445,358

Expected Annual Loss for Zip Code 33706

98.9Score

Very High compared to US average

33706
Minimal Estimated LossMax Estimated Loss

Hurricane

$2,693,131

Expected Annual Loss for Zip Code 33706

90.5Score

Relatively High compared to US average

33706
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$920,692

Expected Annual Loss for Zip Code 33706

8.3Score

Very Low compared to US average

33706
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
$3,445,358
Score: 98.9
MAJOR DRIVER
Hurricane
$2,693,131
Score: 90.5
MAJOR DRIVER
Inland Flooding
$920,692
Score: 8.3
Tornado
$607,163
Score: 63.3
Cold Wave
$391,126
Score: 61.2
Lightning
$151,770
Score: 79.8
Heat Wave
$83,575
Score: 25.4
Hail
$55,519
Score: 57.6
Strong Wind
$15,084
Score: 17.1
Earthquake
$12,447
Score: 10.9
Wildfire
$392
Score: 28.2
Landslide
$0
Score: 2.9

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: 98.9
🌀High Investment

Hurricane Mitigation

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

Risk Score: 90.5
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 8.3

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

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 33707Zip Code 33710Zip Code 33715Zip Code 33711Zip Code 33708Zip Code 33713