Climate Risk Summary

Redland, MD Risk Profile

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

Primary Risks

Inland Flooding

$946,228

Expected Annual Loss for Redland

12.2Score

Relatively Low compared to US average

Redland

Minimal Estimated LossMax Estimated Loss

Heat Wave

$183,110

Expected Annual Loss for Redland

56.3Score

Relatively Moderate compared to US average

Redland

Minimal Estimated LossMax Estimated Loss

Hurricane

$189,925

Expected Annual Loss for Redland

67.1Score

Relatively Low compared to US average

Redland

Minimal Estimated LossMax Estimated Loss

City Boundary

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$946,228

Score: 12.2

MAJOR DRIVER

Heat Wave

$183,110

Score: 56.3

MAJOR DRIVER

Hurricane

$189,925

Score: 67.1

Cold Wave

$104,238

Score: 36.4

Earthquake

$88,194

Score: 40.4

Strong Wind

$67,850

Score: 50.2

Tornado

$66,971

Score: 28.9

Hail

$50,068

Score: 59.4

UNUSUALLY HIGH

Winter Weather

$37,989

Score: 80.5

Lightning

$25,016

Score: 33.8

Ice Storm

$4,483

Score: 15.7

Wildfire

$305

Score: 31.4

Landslide

$60

Score: 53.7

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: 56.3

🌀High Investment

Hurricane Mitigation

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

Risk Score: 67.1

💨Low Investment

Strong Wind Mitigation

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

Risk Score: 50.2

🧊Medium Investment

Hail Mitigation

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

Risk Score: 59.4

🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.5

⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 53.7

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

Aspen Hill Derwood Flower Hill Gaithersburg Montgomery Village

Zip Codes in Redland

20855 20877 20879 20880