Climate Risk Summary

Harvey, LA Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Hurricane

$13,706,781

Expected Annual Loss for Harvey

98.7Score

Very High compared to US average

Harvey
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$2,787,764

Expected Annual Loss for Harvey

47.8Score

Relatively High compared to US average

Harvey
Minimal Estimated LossMax Estimated Loss

Cold Wave

$594,978

Expected Annual Loss for Harvey

73.0Score

Relatively High compared to US average

Harvey
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$13,706,781
Score: 98.7
MAJOR DRIVER
Inland Flooding
$2,787,764
Score: 47.8
MAJOR DRIVER
Cold Wave
$594,978
Score: 73.0
Heat Wave
$476,446
Score: 78.4
UNUSUALLY HIGH
Lightning
$148,588
Score: 81.0
Hail
$126,795
Score: 73.5
Tornado
$89,746
Score: 31.1
UNUSUALLY HIGH
Coastal Flooding
$71,757
Score: 88.2
Earthquake
$81,071
Score: 35.8
Strong Wind
$28,002
Score: 26.9
Winter Weather
$12,065
Score: 50.9
Ice Storm
$4,959
Score: 14.3
Wildfire
$88
Score: 20.2
Landslide
$1
Score: 26.2

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: 98.7
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 73.0
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 78.4
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 81.0
🧊Medium Investment

Hail Mitigation

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

Risk Score: 73.5
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.2
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 50.9

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

Belle ChasseEstelleGretnaMarreroNew Orleans

Zip Codes in Harvey

7005870072