Climate Risk Summary

Gambrills, MD Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$320,148

Expected Annual Loss for Gambrills

9.0Score

Very Low compared to US average

Gambrills
Minimal Estimated LossMax Estimated Loss

Hurricane

$76,722

Expected Annual Loss for Gambrills

67.8Score

Relatively Low compared to US average

Gambrills
Minimal Estimated LossMax Estimated Loss

Tornado

$55,053

Expected Annual Loss for Gambrills

39.0Score

Relatively Low compared to US average

Gambrills
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$320,148
Score: 9.0
MAJOR DRIVER
Hurricane
$76,722
Score: 67.8
MAJOR DRIVER
Tornado
$55,053
Score: 39.0
Heat Wave
$52,238
Score: 43.6
Earthquake
$40,862
Score: 45.9
Strong Wind
$28,052
Score: 50.7
UNUSUALLY HIGH
Drought
$20,814
Score: 83.1
Cold Wave
$21,521
Score: 26.7
Lightning
$19,154
Score: 50.6
Hail
$10,294
Score: 48.2
Winter Weather
$9,462
Score: 69.3
Ice Storm
$1,919
Score: 16.0
Wildfire
$333
Score: 47.4
Landslide
$113
Score: 78.5

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: 67.8
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 50.7
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 83.1
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 50.6
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 69.3
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 78.5

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

Arden on the SevernCroftonFort MeadeGlen BurnieOdenton

Zip Codes in Gambrills

210542110821144