Climate Risk Summary

Zip Code 78070, Risk Profile

The primary drivers of climate-related financial risk in Bulverde, TX (78070) are Inland Flooding, Tornado, and Cold Wave. This area also faces an unusually high intensity for Heat Wave, Hail, Wildfire, Lightning, and Winter Weather compared to national averages.

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

$14,855,938

Expected Annual Loss for Zip Code 78070

97.3Score

Very High compared to US average

78070 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Tornado

$1,416,351

Expected Annual Loss for Zip Code 78070

90.3Score

Very High compared to US average

78070
Minimal Estimated LossMax Estimated Loss

Cold Wave

$445,912

Expected Annual Loss for Zip Code 78070

72.8Score

Relatively High compared to US average

78070
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
$14,855,938
Score: 97.3
MAJOR DRIVER
Tornado
$1,416,351
Score: 90.3
MAJOR DRIVER
Cold Wave
$445,912
Score: 72.8
UNUSUALLY HIGH
Heat Wave
$394,543
Score: 81.0
UNUSUALLY HIGH
Hail
$376,112
Score: 90.6
UNUSUALLY HIGH
Wildfire
$276,081
Score: 93.2
Strong Wind
$175,846
Score: 78.1
UNUSUALLY HIGH
Lightning
$172,611
Score: 90.6
UNUSUALLY HIGH
Winter Weather
$65,812
Score: 91.1
Hurricane
$38,085
Score: 52.4
Ice Storm
$22,340
Score: 57.4
Drought
$10,438
Score: 49.7
Earthquake
$2,807
Score: 5.1
Landslide
$92
Score: 68.8

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: 97.3
🌪️High Investment

Tornado Mitigation

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

Risk Score: 90.3
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.8
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 81.0
🧊Medium Investment

Hail Mitigation

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

Risk Score: 90.6
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 93.2
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.6
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.1

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 78133Zip Code 78027Zip Code 78606Zip Code 78004Zip Code 78163Zip Code 78132