Climate Risk Summary

Tampa, FL Risk Profile

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

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Tampa.

Primary Risks

Hurricane

$52,758,016

Expected Annual Loss for Tampa

90.0Score

Very High compared to US average

Tampa
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$35,435,175

Expected Annual Loss for Tampa

30.8Score

Relatively High compared to US average

Tampa
Minimal Estimated LossMax Estimated Loss

Tornado

$21,906,076

Expected Annual Loss for Tampa

78.4Score

Very High compared to US average

Tampa
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$52,758,016
Score: 90.0
MAJOR DRIVER
Inland Flooding
$35,435,175
Score: 30.8
MAJOR DRIVER
Tornado
$21,906,076
Score: 78.4
Cold Wave
$13,169,136
Score: 75.4
Coastal Flooding
$3,773,866
Score: 52.5
Heat Wave
$2,379,846
Score: 38.1
Lightning
$2,137,606
Score: 72.1
Hail
$1,604,976
Score: 63.6
Wildfire
$474,332
Score: 32.8
Strong Wind
$413,623
Score: 22.4
Earthquake
$287,806
Score: 13.0
Landslide
$566
Score: 40.9

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: 90.0
🌪️High Investment

Tornado Mitigation

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

Risk Score: 78.4
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 75.4
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 52.5
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.1
🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 63.6

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

CarrollwoodCitrus ParkEast Lake-Orient ParkEgypt Lake-LetoLake Magdalene

Zip Codes in Tampa

336023360333604336053360633607336093361033611336123361333614336153361633617336183361933620336213362933634336353363733647