Climate Risk Summary

Overlea, MD Risk Profile

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

Primary Risks

Heat Wave

$659,624

Expected Annual Loss for Overlea

89.1Score

Relatively High compared to US average

Overlea
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$607,887

Expected Annual Loss for Overlea

9.9Score

Relatively Low compared to US average

Overlea
Minimal Estimated LossMax Estimated Loss

Hurricane

$122,723

Expected Annual Loss for Overlea

63.7Score

Relatively Low compared to US average

Overlea
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Heat Wave
$659,624
Score: 89.1
MAJOR DRIVER
Inland Flooding
$607,887
Score: 9.9
MAJOR DRIVER
Hurricane
$122,723
Score: 63.7
Cold Wave
$95,755
Score: 37.6
Earthquake
$75,690
Score: 42.4
Lightning
$45,125
Score: 54.6
Strong Wind
$42,210
Score: 42.1
Tornado
$42,240
Score: 24.8
UNUSUALLY HIGH
Winter Weather
$35,758
Score: 81.6
Hail
$12,171
Score: 38.0
Ice Storm
$2,859
Score: 11.2
Wildfire
$359
Score: 40.1
Landslide
$1
Score: 26.5

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: 89.1
🌀High Investment

Hurricane Mitigation

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

Risk Score: 63.7
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 54.6
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 81.6

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

BaltimoreCarneyMiddle RiverParkvillePerry Hall

Zip Codes in Overlea

212062123421236