Climate Risk Summary

Zip Code 77584, Risk Profile

The primary drivers of climate-related financial risk in Pearland, TX (77584) 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

$20,223,066

Expected Annual Loss for Zip Code 77584

66.9Score

Very High compared to US average

77584
Minimal Estimated LossMax Estimated Loss

Hurricane

$10,009,319

Expected Annual Loss for Zip Code 77584

88.9Score

Relatively High compared to US average

77584
Minimal Estimated LossMax Estimated Loss

Tornado

$5,622,686

Expected Annual Loss for Zip Code 77584

79.0Score

Very High compared to US average

77584
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
$20,223,066
Score: 66.9
MAJOR DRIVER
Hurricane
$10,009,319
Score: 88.9
MAJOR DRIVER
Tornado
$5,622,686
Score: 79.0
Cold Wave
$1,225,190
Score: 50.8
Heat Wave
$1,215,969
Score: 59.4
Lightning
$600,074
Score: 74.9
Strong Wind
$222,534
Score: 35.5
Ice Storm
$193,837
Score: 64.4
Hail
$111,905
Score: 43.4
Earthquake
$68,180
Score: 12.6
Wildfire
$13,087
Score: 45.0
Drought
$7,808
Score: 32.5
Winter Weather
$5,705
Score: 19.6
Landslide
$109
Score: 50.5

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: 66.9
🌀High Investment

Hurricane Mitigation

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

Risk Score: 88.9
🌪️High Investment

Tornado Mitigation

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

Risk Score: 79.0

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 77578Zip Code 77581Zip Code 77047Zip Code 77048Zip Code 77511Zip Code 77583