Climate Risk Summary

North Bethesda, MD Risk Profile

The primary drivers of climate-related financial risk in North Bethesda, MD are Inland Flooding, Hurricane, and Heat Wave.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$3,097,775

Expected Annual Loss for North Bethesda

15.9Score

Relatively Moderate compared to US average

North Bethesda
Minimal Estimated LossMax Estimated Loss

Hurricane

$631,218

Expected Annual Loss for North Bethesda

66.9Score

Relatively Moderate compared to US average

North Bethesda
Minimal Estimated LossMax Estimated Loss

Heat Wave

$533,036

Expected Annual Loss for North Bethesda

52.0Score

Relatively Moderate compared to US average

North Bethesda
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$3,097,775
Score: 15.9
MAJOR DRIVER
Hurricane
$631,218
Score: 66.9
MAJOR DRIVER
Heat Wave
$533,036
Score: 52.0
Earthquake
$381,919
Score: 42.4
Cold Wave
$304,817
Score: 34.3
Tornado
$215,518
Score: 28.5
Strong Wind
$211,570
Score: 48.7
Hail
$167,354
Score: 59.1
Winter Weather
$111,888
Score: 78.1
Lightning
$75,976
Score: 32.1
Ice Storm
$13,371
Score: 14.2
Wildfire
$602
Score: 29.2
Landslide
$77
Score: 49.9

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: 66.9
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 52.0
🧊Medium Investment

Hail Mitigation

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

Risk Score: 59.1
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 78.1

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

Aspen HillBethesdaGarrett ParkNorth KensingtonPotomac

Zip Codes in North Bethesda

2081420817208512085220895