Climate Risk Summary

Zip Code 78414, Risk Profile

The primary drivers of climate-related financial risk in Corpus Christi, TX (78414) are Hurricane, Inland Flooding, and Cold Wave. This area also faces an unusually high intensity for Heat Wave 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

Hurricane

$9,999,926

Expected Annual Loss for Zip Code 78414

94.3Score

Very High compared to US average

78414
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$5,442,100

Expected Annual Loss for Zip Code 78414

42.8Score

Relatively Moderate compared to US average

78414
Minimal Estimated LossMax Estimated Loss

Cold Wave

$3,387,674

Expected Annual Loss for Zip Code 78414

90.3Score

Very High compared to US average

78414
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$9,999,926
Score: 94.3
MAJOR DRIVER
Inland Flooding
$5,442,100
Score: 42.8
MAJOR DRIVER
Cold Wave
$3,387,674
Score: 90.3
UNUSUALLY HIGH
Heat Wave
$1,525,087
Score: 86.0
Tornado
$1,475,695
Score: 67.2
Strong Wind
$262,063
Score: 62.0
Drought
$219,056
Score: 64.3
Lightning
$176,313
Score: 63.2
Hail
$169,853
Score: 64.9
Wildfire
$59,188
Score: 61.5
Ice Storm
$45,046
Score: 47.8
Winter Weather
$24,623
Score: 49.0
Earthquake
$14,708
Score: 7.8
Coastal Flooding
$13,131
Score: 47.4
Landslide
$46
Score: 38.3

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🌀High Investment

Hurricane Mitigation

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

Risk Score: 94.3
💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 42.8
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.3
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 86.0

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 78413Zip Code 78418Zip Code 78412Zip Code 78411Zip Code 78415Zip Code 78419