Climate Risk Summary

Zip Code 77037, Risk Profile

The primary drivers of climate-related financial risk in Aldine, TX (77037) are Inland Flooding, Hurricane, and Tornado.

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

$5,281,029

Expected Annual Loss for Zip Code 77037

85.0Score

Relatively High compared to US average

77037
Minimal Estimated LossMax Estimated Loss

Hurricane

$1,920,476

Expected Annual Loss for Zip Code 77037

90.0Score

Relatively High compared to US average

77037
Minimal Estimated LossMax Estimated Loss

Tornado

$1,849,637

Expected Annual Loss for Zip Code 77037

94.2Score

Very High compared to US average

77037
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
$5,281,029
Score: 85.0
MAJOR DRIVER
Hurricane
$1,920,476
Score: 90.0
MAJOR DRIVER
Tornado
$1,849,637
Score: 94.2
Cold Wave
$525,234
Score: 75.1
Heat Wave
$356,881
Score: 77.4
Lightning
$38,245
Score: 46.1
Strong Wind
$32,730
Score: 33.1
Earthquake
$28,770
Score: 23.0
Ice Storm
$18,299
Score: 49.2
Hail
$6,547
Score: 27.8
Winter Weather
$1,294
Score: 21.6
Wildfire
$294
Score: 30.8
Landslide
$26
Score: 51.9

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: 85.0
🌀High Investment

Hurricane Mitigation

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

Risk Score: 90.0
🌪️High Investment

Tornado Mitigation

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

Risk Score: 94.2

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

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 77060Zip Code 77076Zip Code 77088Zip Code 77038Zip Code 77039Zip Code 77093