Climate Risk Summary

Naval Academy, MD Risk Profile

The primary drivers of climate-related financial risk in Naval Academy, MD are Inland Flooding, Hurricane, and Earthquake. This area also faces an unusually high intensity for Coastal Flooding compared to national averages.

City Risk Scorecard
Physical Resilience83/100

Based on FEMA EAL and hazard intensity.

Insurance Stability
Market Stable

Metrics indicate a balanced risk-to-premium environment with standard renewal rates.

Primary Risks

Inland Flooding

$77,605

Expected Annual Loss for Naval Academy

0.9Score

Very Low compared to US average

Naval Academy
Minimal Estimated LossMax Estimated Loss

Hurricane

$50,851

Expected Annual Loss for Naval Academy

62.1Score

Relatively Low compared to US average

Naval Academy
Minimal Estimated LossMax Estimated Loss

Earthquake

$23,897

Expected Annual Loss for Naval Academy

35.0Score

Very Low compared to US average

Naval Academy
Minimal Estimated LossMax Estimated Loss

Spatial Analysis

FEMA Flood Zones
FloodwayHighest Risk / Active Channel
High Risk (100-Year)1% Annual Chance Flood
Moderate Risk (500-Year)0.2% Annual Chance Flood
NRI Risk Index
Very Low
Low
Moderate
High
Very High
Extreme

Flood Plain Analysis

Localized Flood Dynamics in Naval Academy

FEMA Flood Maps for Naval Academy identify the "100-year" and "500-year" floodplains (1% and 0.2% annual chance), but modern climate risk analysis suggests that nearly 25% of flood insurance claims originate from properties outside of these designated high-risk zones.

Use the map above to better understand risk by looking at both the FEMA flood plain maps and FEMA Risk Inventory maps by census tract. Standard FEMA maps may not account for 'flash flooding' from intense rain events.
FEMA Designation vs. Reality
Very Low
Relative Vulnerability
$77,605
Annualized Property Exposure

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$77,605
Score: 0.9
MAJOR DRIVER
Hurricane
$50,851
Score: 62.1
MAJOR DRIVER
Earthquake
$23,897
Score: 35.0
Tornado
$17,369
Score: 23.8
UNUSUALLY HIGH
Coastal Flooding
$11,248
Score: 85.1
Strong Wind
$8,706
Score: 24.1
Heat Wave
$7,623
Score: 5.7
Hail
$7,015
Score: 41.7
Cold Wave
$3,651
Score: 18.2
Lightning
$3,262
Score: 13.2
Winter Weather
$1,747
Score: 33.3
Ice Storm
$916
Score: 6.5
Drought
$147
Score: 72.7
Wildfire
$7
Score: 21.0
Landslide
$3
Score: 45.2

Recommended Mitigation Strategies

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: 62.1
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.1
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.7

Sources and Methodology

Spatial Climate Risk Modeling

The Expected Annual Loss (EAL) and hazard risk scores are derived from the FEMA NRI zip code dataset using a population-weighted spatial join. Because Zip Codes and Census Tracts do not share perfectly aligned boundaries, we utilize US Census Block Group population centroids to identify where residents actually live.

Financial & Insurance Metrics

The pysical resilence score is calculated by synthesizing Expected Annual Loss (EAL) against the total building replacement value within a jurisdiction. This creates a "Loss Ratio" that measures physical resilience. We supplement this with ZIP-code level data from the U.S. Treasury's Federal Insurance Office (FIO), monitoring trends in premium growth, loss ratios, and policy non-renewals to identify emerging "Insurance Deserts."

Primary Data Sources

Nearby Cities

AnnapolisAnnapolis NeckArnoldCape St. ClaireEdgewater

Zip Codes in Naval Academy

2140121402