Climate Risk Summary

Memphis, TN Risk Profile

The primary drivers of climate-related financial risk in Memphis, TN are Earthquake, Inland Flooding, and Tornado. This area also faces an unusually high intensity for Cold Wave and Heat Wave compared to national averages.

City-Wide Aggregation

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

Primary Risks

Earthquake

$172,692,462

Expected Annual Loss for Memphis

89.5Score

Very High compared to US average

Memphis
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$94,762,776

Expected Annual Loss for Memphis

48.5Score

Very High compared to US average

Memphis
Minimal Estimated LossMax Estimated Loss

Tornado

$45,675,300

Expected Annual Loss for Memphis

84.1Score

Very High compared to US average

Memphis
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$172,692,462
Score: 89.5
MAJOR DRIVER
Inland Flooding
$94,762,776
Score: 48.5
MAJOR DRIVER
Tornado
$45,675,300
Score: 84.1
UNUSUALLY HIGH
Cold Wave
$41,555,180
Score: 88.6
UNUSUALLY HIGH
Heat Wave
$32,427,592
Score: 91.5
Lightning
$1,144,685
Score: 41.7
Strong Wind
$924,924
Score: 27.7
Ice Storm
$550,305
Score: 41.1
Hurricane
$223,888
Score: 36.6
Winter Weather
$193,227
Score: 38.1
Wildfire
$27,241
Score: 30.7
Landslide
$21,117
Score: 69.4
Hail
$21,667
Score: 3.9
Drought
$4,255
Score: 22.3

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

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.5
🌪️High Investment

Tornado Mitigation

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

Risk Score: 84.1
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.6
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 91.5
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 69.4

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

MarionWest MemphisHorn LakeLynchburgOlive Branch

Zip Codes in Memphis

380023801638018380283810338104381053810638107381083810938111381123811438115381163811738118381193812038122381253812638127381283813138132381333813438135381383814138152