Climate Risk Summary

Zip Code 78209, Risk Profile

The primary drivers of climate-related financial risk in San Antonio, TX (78209) are Inland Flooding, Tornado, and Hail.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Inland Flooding

$10,242,221

Expected Annual Loss for Zip Code 78209

70.0Score

Very High compared to US average

78209
Minimal Estimated LossMax Estimated Loss

Tornado

$2,740,976

Expected Annual Loss for Zip Code 78209

84.2Score

Very High compared to US average

78209
Minimal Estimated LossMax Estimated Loss

Hail

$1,921,732

Expected Annual Loss for Zip Code 78209

95.7Score

Very High compared to US average

78209
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$10,242,221
Score: 70.0
MAJOR DRIVER
Tornado
$2,740,976
Score: 84.2
MAJOR DRIVER
Hail
$1,921,732
Score: 95.7
Heat Wave
$768,509
Score: 73.8
Cold Wave
$186,071
Score: 32.2
Hurricane
$82,789
Score: 51.3
Lightning
$39,700
Score: 25.9
Strong Wind
$36,202
Score: 20.5
Earthquake
$11,970
Score: 7.5
Ice Storm
$8,708
Score: 13.1
Winter Weather
$6,634
Score: 28.5
Wildfire
$973
Score: 32.2
Landslide
$12
Score: 36.2

Recommended Mitigation Strategies

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

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 70.0
🌪️High Investment

Tornado Mitigation

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

Risk Score: 84.2
🧊Medium Investment

Hail Mitigation

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

Risk Score: 95.7

Methodology and Sources

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 Locations

Zip Code 78234Zip Code 78212Zip Code 78218Zip Code 78216Zip Code 78217Zip Code 78215
78209 Climate Risk Report | San Antonio, TX