Climate Risk Summary

Clifton, TX Risk Profile

The primary drivers of climate-related financial risk in Clifton, TX are Inland Flooding, Tornado, and Lightning. This area also faces an unusually high intensity for Hail compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Clifton.

Primary Risks

Inland Flooding

$569,334

Expected Annual Loss for Clifton

57.9Score

Relatively Moderate compared to US average

Clifton
Minimal Estimated LossMax Estimated Loss

Tornado

$308,426

Expected Annual Loss for Clifton

89.6Score

Relatively High compared to US average

Clifton
Minimal Estimated LossMax Estimated Loss

Lightning

$160,689

Expected Annual Loss for Clifton

99.6Score

Very High compared to US average

Clifton (OUTLIER)
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$569,334
Score: 57.9
MAJOR DRIVER
Tornado
$308,426
Score: 89.6
MAJOR DRIVER
Lightning
$160,689
Score: 99.6
Cold Wave
$104,708
Score: 72.5
Heat Wave
$64,495
Score: 72.1
UNUSUALLY HIGH
Hail
$44,314
Score: 83.6
Strong Wind
$21,963
Score: 62.7
Hurricane
$7,826
Score: 51.8
Ice Storm
$2,845
Score: 40.4
Earthquake
$2,618
Score: 13.1
Winter Weather
$1,064
Score: 35.8
Wildfire
$553
Score: 62.8
Drought
$383
Score: 76.9
Landslide
$0
Score: 14.1

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: 57.9
🌪️High Investment

Tornado Mitigation

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

Risk Score: 89.6
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.6
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.5
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 72.1
🧊Medium Investment

Hail Mitigation

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

Risk Score: 83.6
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 62.7
🌀High Investment

Hurricane Mitigation

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

Risk Score: 51.8
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 62.8
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 76.9

Sources and Methodology

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 Cities

GatesvilleGholsonLaguna ParkMeridianValley Mills

Zip Codes in Clifton

76634