Climate Risk Summary

South Laurel, MD Risk Profile

The primary drivers of climate-related financial risk in South Laurel, MD are Inland Flooding, Heat Wave, and Tornado.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$1,283,953

Expected Annual Loss for South Laurel

7.2Score

Relatively Low compared to US average

South Laurel
Minimal Estimated LossMax Estimated Loss

Heat Wave

$387,162

Expected Annual Loss for South Laurel

62.7Score

Relatively Moderate compared to US average

South Laurel
Minimal Estimated LossMax Estimated Loss

Tornado

$341,914

Expected Annual Loss for South Laurel

45.8Score

Relatively Low compared to US average

South Laurel
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$1,283,953
Score: 7.2
MAJOR DRIVER
Heat Wave
$387,162
Score: 62.7
MAJOR DRIVER
Tornado
$341,914
Score: 45.8
Hurricane
$272,938
Score: 64.8
Earthquake
$150,512
Score: 42.5
Lightning
$120,321
Score: 63.7
Cold Wave
$92,208
Score: 27.0
Strong Wind
$88,479
Score: 43.1
Winter Weather
$54,818
Score: 76.9
Hail
$41,240
Score: 46.5
Ice Storm
$10,789
Score: 21.5
Wildfire
$645
Score: 37.5
Landslide
$138
Score: 63.8

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: 62.7
🌀High Investment

Hurricane Mitigation

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

Risk Score: 64.8
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 63.7
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 76.9
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 63.8

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

BeltsvilleGreenbeltKonterraLaurelMaryland City

Zip Codes in South Laurel

207052070720708