Climate Risk Summary

Friona, TX Risk Profile

The primary drivers of climate-related financial risk in Friona, TX are Drought, Hail, and Tornado. This area also faces an unusually high intensity for Cold Wave, Strong Wind, Winter Weather, and Wildfire compared to national averages.

City-Wide Aggregation

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

Primary Risks

Drought

$8,284,281

Expected Annual Loss for Friona

100.0Score

Very High compared to US average

Friona (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Hail

$350,732

Expected Annual Loss for Friona

99.7Score

Very High compared to US average

Friona (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Tornado

$240,082

Expected Annual Loss for Friona

96.5Score

Very High compared to US average

Friona
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Drought
$8,284,281
Score: 100.0
MAJOR DRIVER
Hail
$350,732
Score: 99.7
MAJOR DRIVER
Tornado
$240,082
Score: 96.5
UNUSUALLY HIGH
Cold Wave
$229,176
Score: 96.2
Inland Flooding
$165,160
Score: 30.5
UNUSUALLY HIGH
Strong Wind
$101,611
Score: 98.2
UNUSUALLY HIGH
Winter Weather
$34,286
Score: 99.4
UNUSUALLY HIGH
Wildfire
$23,881
Score: 92.7
Heat Wave
$15,560
Score: 49.1
Lightning
$9,887
Score: 73.3
Earthquake
$8,581
Score: 41.6
Hurricane
$8,419
Score: 57.2
Ice Storm
$2,053
Score: 50.6
Landslide
$0
Score: 14.7

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

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 100.0
🧊Medium Investment

Hail Mitigation

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

Risk Score: 99.7
🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 96.5
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 96.2
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 98.2
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.4
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 92.7
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 73.3
🌀High Investment

Hurricane Mitigation

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

Risk Score: 57.2
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 50.6

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

Nearby Cities

Cannon AFBClovisPortalesTexicoEarth

Zip Codes in Friona

79035