Climate Risk Summary

Zip Code 76109, Risk Profile

The primary drivers of climate-related financial risk in Fort Worth, TX (76109) 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

$4,704,313

Expected Annual Loss for Zip Code 76109

45.9Score

Very High compared to US average

76109
Minimal Estimated LossMax Estimated Loss

Tornado

$2,347,439

Expected Annual Loss for Zip Code 76109

85.8Score

Very High compared to US average

76109
Minimal Estimated LossMax Estimated Loss

Hail

$2,122,958

Expected Annual Loss for Zip Code 76109

97.5Score

Very High compared to US average

76109
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
$4,704,313
Score: 45.9
MAJOR DRIVER
Tornado
$2,347,439
Score: 85.8
MAJOR DRIVER
Hail
$2,122,958
Score: 97.5
Heat Wave
$699,713
Score: 77.3
Cold Wave
$412,769
Score: 53.4
Ice Storm
$42,052
Score: 55.0
Earthquake
$34,384
Score: 18.2
Lightning
$29,374
Score: 24.8
Strong Wind
$22,971
Score: 18.2
Hurricane
$18,548
Score: 41.9
Winter Weather
$16,113
Score: 47.5
Wildfire
$9,566
Score: 42.0
Landslide
$179
Score: 57.6

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: 45.9
🌪️High Investment

Tornado Mitigation

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

Risk Score: 85.8
🧊Medium Investment

Hail Mitigation

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

Risk Score: 97.5

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 76107Zip Code 76129Zip Code 76133Zip Code 76110Zip Code 76132Zip Code 76116
76109 Climate Risk Report | Fort Worth, TX