Climate Risk Summary

Zip Code 20896, Risk Profile

The primary drivers of climate-related financial risk in Garrett Park, MD (20896) are Inland Flooding, Hurricane, and Heat Wave.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Inland Flooding

$193,968

Expected Annual Loss for Zip Code 20896

3.2Score

Very Low compared to US average

20896
Minimal Estimated LossMax Estimated Loss

Hurricane

$36,177

Expected Annual Loss for Zip Code 20896

58.6Score

Relatively Low compared to US average

20896
Minimal Estimated LossMax Estimated Loss

Heat Wave

$34,478

Expected Annual Loss for Zip Code 20896

37.2Score

Relatively Low compared to US average

20896
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$193,968
Score: 3.2
MAJOR DRIVER
Hurricane
$36,177
Score: 58.6
MAJOR DRIVER
Heat Wave
$34,478
Score: 37.2
Cold Wave
$19,628
Score: 27.5
Earthquake
$18,024
Score: 26.0
Strong Wind
$12,845
Score: 34.3
Tornado
$12,719
Score: 20.6
Hail
$9,541
Score: 47.6
Winter Weather
$7,160
Score: 67.7
Lightning
$4,727
Score: 20.7
Ice Storm
$846
Score: 7.3
Wildfire
$42
Score: 28.3
Landslide
$3
Score: 45.5

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 3.2
🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 58.6
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 37.2

Methodology and Sources

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 Locations

Zip Code 20895Zip Code 20814Zip Code 20852Zip Code 20906Zip Code 20902Zip Code 20853