Climate Risk Summary

Odenton, MD Risk Profile

The primary drivers of climate-related financial risk in Odenton, MD are Inland Flooding, Heat Wave, and Tornado. This area also faces an unusually high intensity for Winter Weather compared to national averages.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$2,206,300

Expected Annual Loss for Odenton

12.9Score

Relatively Low compared to US average

Odenton
Minimal Estimated LossMax Estimated Loss

Heat Wave

$526,016

Expected Annual Loss for Odenton

62.2Score

Relatively Moderate compared to US average

Odenton
Minimal Estimated LossMax Estimated Loss

Tornado

$491,191

Expected Annual Loss for Odenton

46.4Score

Relatively Low compared to US average

Odenton
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$2,206,300
Score: 12.9
MAJOR DRIVER
Heat Wave
$526,016
Score: 62.2
MAJOR DRIVER
Tornado
$491,191
Score: 46.4
Hurricane
$490,079
Score: 68.8
Strong Wind
$242,058
Score: 61.9
Earthquake
$224,307
Score: 43.6
Cold Wave
$210,221
Score: 33.1
Lightning
$188,698
Score: 67.6
UNUSUALLY HIGH
Winter Weather
$92,808
Score: 81.2
Hail
$65,376
Score: 49.2
Drought
$47,821
Score: 15.7
Ice Storm
$14,826
Score: 21.5
Wildfire
$1,032
Score: 38.9
Landslide
$318
Score: 62.7

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

☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 62.2
🌀High Investment

Hurricane Mitigation

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

Risk Score: 68.8
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 61.9
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 67.6
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 81.2
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 62.7

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

Arden on the SevernBowieCroftonFort MeadeGambrills

Zip Codes in Odenton

210542111321144