Climate Risk Summary

University, FL Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Hurricane

$4,082,823

Expected Annual Loss for University

88.8Score

Relatively High compared to US average

University
Minimal Estimated LossMax Estimated Loss

Tornado

$2,602,477

Expected Annual Loss for University

82.6Score

Relatively High compared to US average

University
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$2,540,678

Expected Annual Loss for University

19.9Score

Relatively Low compared to US average

University
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$4,082,823
Score: 88.8
MAJOR DRIVER
Tornado
$2,602,477
Score: 82.6
MAJOR DRIVER
Inland Flooding
$2,540,678
Score: 19.9
UNUSUALLY HIGH
Cold Wave
$1,802,291
Score: 81.3
Heat Wave
$337,179
Score: 47.8
Lightning
$279,365
Score: 78.9
Hail
$125,199
Score: 60.5
Strong Wind
$45,053
Score: 23.3
Earthquake
$22,160
Score: 10.9
Wildfire
$11,141
Score: 28.8
Coastal Flooding
$1,569
Score: 9.2
Landslide
$26
Score: 37.1

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: 88.8
🌪️High Investment

Tornado Mitigation

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

Risk Score: 82.6
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 81.3
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 78.9
🧊Medium Investment

Hail Mitigation

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

Risk Score: 60.5

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

CarrollwoodEast Lake-Orient ParkEgypt Lake-LetoLake MagdaleneLutz

Zip Codes in University

3354933559336123361333647