Climate Risk Summary

Zip Code 75208, Risk Profile

The primary drivers of climate-related financial risk in Dallas, TX (75208) 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

$4,321,326

Expected Annual Loss for Zip Code 75208

39.5Score

Relatively Moderate compared to US average

75208
Minimal Estimated LossMax Estimated Loss

Heat Wave

$3,640,545

Expected Annual Loss for Zip Code 75208

95.9Score

Very High compared to US average

75208
Minimal Estimated LossMax Estimated Loss

Hail

$1,454,220

Expected Annual Loss for Zip Code 75208

94.1Score

Relatively High compared to US average

75208
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
$4,321,326
Score: 39.5
MAJOR DRIVER
Heat Wave
$3,640,545
Score: 95.9
MAJOR DRIVER
Hail
$1,454,220
Score: 94.1
Tornado
$1,425,575
Score: 69.1
Cold Wave
$1,241,335
Score: 74.8
Strong Wind
$63,391
Score: 29.6
Earthquake
$61,108
Score: 21.6
Ice Storm
$53,744
Score: 55.7
Lightning
$32,132
Score: 22.2
Winter Weather
$16,440
Score: 43.3
Hurricane
$7,959
Score: 33.4
Wildfire
$236
Score: 25.5
Landslide
$6
Score: 28.1

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: 39.5
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 95.9
🧊Medium Investment

Hail Mitigation

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

Risk Score: 94.1

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

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 75203Zip Code 75211Zip Code 75212Zip Code 75224Zip Code 75216Zip Code 75207