Climate Risk Summary

Zip Code 78701, Risk Profile

The primary drivers of climate-related financial risk in Austin, TX (78701) 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

$4,279,039

Expected Annual Loss for Zip Code 78701

68.2Score

Relatively High compared to US average

78701
Minimal Estimated LossMax Estimated Loss

Tornado

$1,120,106

Expected Annual Loss for Zip Code 78701

79.0Score

Relatively High compared to US average

78701
Minimal Estimated LossMax Estimated Loss

Hail

$581,169

Expected Annual Loss for Zip Code 78701

90.0Score

Relatively High compared to US average

78701
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
$4,279,039
Score: 68.2
MAJOR DRIVER
Tornado
$1,120,106
Score: 79.0
MAJOR DRIVER
Hail
$581,169
Score: 90.0
Heat Wave
$199,841
Score: 55.4
Strong Wind
$67,291
Score: 42.6
Cold Wave
$62,333
Score: 27.4
Hurricane
$36,491
Score: 48.9
Earthquake
$17,725
Score: 10.5
Lightning
$14,412
Score: 19.6
Ice Storm
$13,553
Score: 32.0
Winter Weather
$3,262
Score: 27.6
Wildfire
$22
Score: 7.2
Landslide
$1
Score: 25.0

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: 68.2
🌪️High Investment

Tornado Mitigation

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

Risk Score: 79.0
🧊Medium Investment

Hail Mitigation

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

Risk Score: 90.0

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

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

Nearby Locations

Zip Code 78703Zip Code 78712Zip Code 78702Zip Code 78704Zip Code 78705Zip Code 78746