Climate Risk Summary

Zip Code 20912, Risk Profile

The primary drivers of climate-related financial risk in Takoma Park, MD (20912) are Inland Flooding, Heat Wave, and Hurricane.

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

$1,301,661

Expected Annual Loss for Zip Code 20912

7.8Score

Relatively Low compared to US average

20912
Minimal Estimated LossMax Estimated Loss

Heat Wave

$285,320

Expected Annual Loss for Zip Code 20912

52.0Score

Relatively Moderate compared to US average

20912
Minimal Estimated LossMax Estimated Loss

Hurricane

$184,499

Expected Annual Loss for Zip Code 20912

60.1Score

Relatively Low compared to US average

20912
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
$1,301,661
Score: 7.8
MAJOR DRIVER
Heat Wave
$285,320
Score: 52.0
MAJOR DRIVER
Hurricane
$184,499
Score: 60.1
Cold Wave
$142,280
Score: 32.3
Earthquake
$121,111
Score: 38.2
Tornado
$111,945
Score: 27.3
Strong Wind
$78,304
Score: 39.8
Winter Weather
$54,191
Score: 75.9
Lightning
$44,877
Score: 33.6
Hail
$40,233
Score: 45.8
Ice Storm
$4,319
Score: 8.5
Wildfire
$309
Score: 30.2
Landslide
$34
Score: 50.6

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: 7.8
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 52.0
🌀High Investment

Hurricane Mitigation

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

Risk Score: 60.1

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

Nearby Locations

Zip Code 20910Zip Code 20783Zip Code 20903Zip Code 20012Zip Code 20901Zip Code 20011
20912 Climate Risk Report | Takoma Park, MD