Climate Risk Summary

Naval Academy, MD Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$77,605

Expected Annual Loss for Naval Academy

0.9Score

Very Low compared to US average

Naval Academy
Minimal Estimated LossMax Estimated Loss

Hurricane

$50,851

Expected Annual Loss for Naval Academy

62.1Score

Relatively Low compared to US average

Naval Academy
Minimal Estimated LossMax Estimated Loss

Earthquake

$23,897

Expected Annual Loss for Naval Academy

35.0Score

Very Low compared to US average

Naval Academy
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$77,605
Score: 0.9
MAJOR DRIVER
Hurricane
$50,851
Score: 62.1
MAJOR DRIVER
Earthquake
$23,897
Score: 35.0
Tornado
$17,369
Score: 23.8
UNUSUALLY HIGH
Coastal Flooding
$11,248
Score: 85.1
Strong Wind
$8,706
Score: 24.1
Heat Wave
$7,623
Score: 5.7
Hail
$7,015
Score: 41.7
Cold Wave
$3,651
Score: 18.2
Lightning
$3,262
Score: 13.2
Winter Weather
$1,747
Score: 33.3
Ice Storm
$916
Score: 6.5
Drought
$147
Score: 72.7
Wildfire
$7
Score: 21.0
Landslide
$3
Score: 45.2

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: 62.1
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.1
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.7

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

AnnapolisAnnapolis NeckArnoldCape St. ClaireEdgewater

Zip Codes in Naval Academy

2140121402
Climate Risk Analysis for Naval Academy, MD