Climate Risk Summary

Westchase, FL Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Hurricane

$3,137,829

Expected Annual Loss for Westchase

90.8Score

Relatively High compared to US average

Westchase
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$2,213,196

Expected Annual Loss for Westchase

32.1Score

Relatively Moderate compared to US average

Westchase
Minimal Estimated LossMax Estimated Loss

Tornado

$1,084,648

Expected Annual Loss for Westchase

74.1Score

Relatively High compared to US average

Westchase
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$3,137,829
Score: 90.8
MAJOR DRIVER
Inland Flooding
$2,213,196
Score: 32.1
MAJOR DRIVER
Tornado
$1,084,648
Score: 74.1
Cold Wave
$876,807
Score: 77.0
Heat Wave
$157,285
Score: 40.2
Lightning
$144,451
Score: 74.8
Hail
$63,830
Score: 58.6
UNUSUALLY HIGH
Wildfire
$46,422
Score: 80.8
Strong Wind
$20,161
Score: 19.5
UNUSUALLY HIGH
Coastal Flooding
$28,833
Score: 81.3
Earthquake
$4,449
Score: 5.2
Landslide
$11
Score: 40.5

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: 90.8
🌪️High Investment

Tornado Mitigation

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

Risk Score: 74.1
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 77.0
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 74.8
🧊Medium Investment

Hail Mitigation

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

Risk Score: 58.6
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 80.8
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 81.3

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 LakeKeystoneNorthdale

Zip Codes in Westchase

33626