Climate Risk Summary

Zip Code 75205, Risk Profile

The primary drivers of climate-related financial risk in University Park, TX (75205) are Inland Flooding, Heat Wave, 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

$5,010,056

Expected Annual Loss for Zip Code 75205

43.8Score

Relatively Moderate compared to US average

75205
Minimal Estimated LossMax Estimated Loss

Heat Wave

$2,936,380

Expected Annual Loss for Zip Code 75205

94.6Score

Very High compared to US average

75205
Minimal Estimated LossMax Estimated Loss

Hail

$2,324,399

Expected Annual Loss for Zip Code 75205

96.4Score

Very High compared to US average

75205
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
$5,010,056
Score: 43.8
MAJOR DRIVER
Heat Wave
$2,936,380
Score: 94.6
MAJOR DRIVER
Hail
$2,324,399
Score: 96.4
Tornado
$1,804,645
Score: 75.0
Cold Wave
$1,003,535
Score: 70.1
Earthquake
$88,796
Score: 28.5
Ice Storm
$69,244
Score: 62.3
Strong Wind
$66,896
Score: 31.3
Lightning
$29,768
Score: 21.3
Winter Weather
$15,231
Score: 42.2
Hurricane
$11,723
Score: 36.4
Wildfire
$426
Score: 21.8
Landslide
$1
Score: 21.6

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: 43.8
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 94.6
🧊Medium Investment

Hail Mitigation

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

Risk Score: 96.4

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 75219Zip Code 75225Zip Code 75206Zip Code 75204Zip Code 75209Zip Code 75235