Climate Risk Summary

Tybee Island, GA Risk Profile

The primary drivers of climate-related financial risk in Tybee Island, GA are Hurricane, Coastal Flooding, and Inland Flooding. This area also faces an unusually high intensity for Wildfire compared to national averages.

City-Wide Aggregation

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

Primary Risks

Hurricane

$2,958,609

Expected Annual Loss for Tybee Island

98.2Score

Very High compared to US average

Tybee Island
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$1,388,188

Expected Annual Loss for Tybee Island

99.5Score

Very High compared to US average

Tybee Island
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$333,809

Expected Annual Loss for Tybee Island

15.8Score

Relatively Low compared to US average

Tybee Island
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$2,958,609
Score: 98.2
MAJOR DRIVER
Coastal Flooding
$1,388,188
Score: 99.5
MAJOR DRIVER
Inland Flooding
$333,809
Score: 15.8
Earthquake
$117,855
Score: 69.3
Heat Wave
$51,361
Score: 52.4
Tornado
$42,068
Score: 38.8
UNUSUALLY HIGH
Wildfire
$30,958
Score: 86.8
Cold Wave
$28,710
Score: 33.4
Lightning
$16,445
Score: 54.1
Ice Storm
$13,811
Score: 71.5
Strong Wind
$12,310
Score: 36.2
Hail
$6,295
Score: 44.1
Winter Weather
$1,162
Score: 31.0
Landslide
$4
Score: 45.9

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: 98.2
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.5
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 69.3
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 52.4
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 86.8
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 54.1
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 71.5

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

Dutch IslandSkidaway IslandTalahi IslandWhitemarsh IslandWilmington Island

Zip Codes in Tybee Island

31328