Climate Risk Summary

Zip Code 79907, Risk Profile

The primary drivers of climate-related financial risk in El Paso, TX (79907) are Inland Flooding, Heat Wave, and Hail. This area also faces an unusually high intensity for 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

$3,278,463

Expected Annual Loss for Zip Code 79907

36.5Score

Relatively Moderate compared to US average

79907
Minimal Estimated LossMax Estimated Loss

Heat Wave

$835,104

Expected Annual Loss for Zip Code 79907

80.7Score

Relatively High compared to US average

79907
Minimal Estimated LossMax Estimated Loss

Hail

$770,997

Expected Annual Loss for Zip Code 79907

90.5Score

Relatively High compared to US average

79907
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
$3,278,463
Score: 36.5
MAJOR DRIVER
Heat Wave
$835,104
Score: 80.7
MAJOR DRIVER
Hail
$770,997
Score: 90.5
UNUSUALLY HIGH
Lightning
$406,668
Score: 91.6
Earthquake
$340,655
Score: 57.2
Cold Wave
$171,102
Score: 34.4
UNUSUALLY HIGH
Winter Weather
$135,590
Score: 90.7
Strong Wind
$112,405
Score: 47.9
Drought
$38,524
Score: 62.6
Tornado
$21,712
Score: 7.5
Ice Storm
$8,103
Score: 15.4
Wildfire
$1,249
Score: 44.1
Hurricane
$1,056
Score: 21.8
Landslide
$1
Score: 18.3

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: 36.5
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 80.7
🧊Medium Investment

Hail Mitigation

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

Risk Score: 90.5
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.6
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.7

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 79936Zip Code 79915Zip Code 79927Zip Code 79935Zip Code 79928Zip Code 79925