Climate Risk Summary

Cloverly, MD Risk Profile

The primary drivers of climate-related financial risk in Cloverly, MD are Inland Flooding, Hurricane, and Heat Wave. This area also faces an unusually high intensity for Winter Weather compared to national averages.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$1,099,922

Expected Annual Loss for Cloverly

36.0Score

Relatively Low compared to US average

Cloverly
Minimal Estimated LossMax Estimated Loss

Hurricane

$177,834

Expected Annual Loss for Cloverly

73.5Score

Relatively Low compared to US average

Cloverly
Minimal Estimated LossMax Estimated Loss

Heat Wave

$143,691

Expected Annual Loss for Cloverly

65.5Score

Relatively Moderate compared to US average

Cloverly
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$1,099,922
Score: 36.0
MAJOR DRIVER
Hurricane
$177,834
Score: 73.5
MAJOR DRIVER
Heat Wave
$143,691
Score: 65.5
Earthquake
$101,386
Score: 57.1
Cold Wave
$82,548
Score: 41.7
Tornado
$62,254
Score: 34.6
Strong Wind
$57,052
Score: 59.7
Hail
$44,232
Score: 66.3
UNUSUALLY HIGH
Winter Weather
$30,385
Score: 86.4
Lightning
$21,025
Score: 42.4
Ice Storm
$2,719
Score: 15.1
Wildfire
$296
Score: 39.1
Landslide
$155
Score: 71.1
Drought
$11
Score: 14.9

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: 73.5
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 65.5
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 57.1
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 59.7
🧊Medium Investment

Hail Mitigation

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

Risk Score: 66.3
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.4
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 71.1

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

Ashton-Sandy SpringBurtonsvilleColesvilleFairlandGlenmont

Zip Codes in Cloverly

2086620868209042090520906