Climate Risk Summary

Ocean Pines, MD Risk Profile

The primary drivers of climate-related financial risk in Ocean Pines, MD are Hurricane, Inland Flooding, and Coastal Flooding.

City-Wide Aggregation

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

Primary Risks

Hurricane

$1,071,065

Expected Annual Loss for Ocean Pines

87.1Score

Relatively Moderate compared to US average

Ocean Pines
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$757,241

Expected Annual Loss for Ocean Pines

12.3Score

Relatively Low compared to US average

Ocean Pines
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$409,969

Expected Annual Loss for Ocean Pines

95.4Score

Relatively High compared to US average

Ocean Pines
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$1,071,065
Score: 87.1
MAJOR DRIVER
Inland Flooding
$757,241
Score: 12.3
MAJOR DRIVER
Coastal Flooding
$409,969
Score: 95.4
Cold Wave
$364,539
Score: 69.8
Heat Wave
$92,266
Score: 40.0
Strong Wind
$47,130
Score: 46.1
Lightning
$28,258
Score: 42.0
Tornado
$24,606
Score: 18.6
Winter Weather
$21,970
Score: 72.9
Earthquake
$19,562
Score: 20.3
Ice Storm
$14,303
Score: 47.2
Wildfire
$9,280
Score: 75.5
Hail
$1,327
Score: 11.5
Drought
$1,223
Score: 30.4
Landslide
$1
Score: 23.6

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: 87.1
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 95.4
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 69.8
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.9
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 75.5

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

Fenwick IslandMillvilleOcean ViewSelbyvilleSouth Bethany

Zip Codes in Ocean Pines

21811