Climate Risk Summary

Fort Worth, TX Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$93,254,703

Expected Annual Loss for Fort Worth

40.7Score

Very High compared to US average

Fort Worth
Minimal Estimated LossMax Estimated Loss

Tornado

$61,577,557

Expected Annual Loss for Fort Worth

87.0Score

Very High compared to US average

Fort Worth
Minimal Estimated LossMax Estimated Loss

Hail

$45,474,323

Expected Annual Loss for Fort Worth

96.1Score

Very High compared to US average

Fort Worth
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$93,254,703
Score: 40.7
MAJOR DRIVER
Tornado
$61,577,557
Score: 87.0
MAJOR DRIVER
Hail
$45,474,323
Score: 96.1
UNUSUALLY HIGH
Heat Wave
$21,242,747
Score: 82.4
Cold Wave
$12,494,031
Score: 59.4
Earthquake
$1,551,247
Score: 22.9
Wildfire
$866,587
Score: 50.0
Ice Storm
$1,076,609
Score: 53.6
Lightning
$804,273
Score: 27.4
Strong Wind
$664,865
Score: 20.0
Winter Weather
$457,603
Score: 51.2
Hurricane
$310,728
Score: 37.8
Drought
$31,727
Score: 15.3
Landslide
$2,415
Score: 40.9

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

🌪️High Investment

Tornado Mitigation

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

Risk Score: 87.0
🧊Medium Investment

Hail Mitigation

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

Risk Score: 96.1
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 82.4
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 59.4
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 53.6
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 51.2

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

Haltom CityLake WorthRiver OaksSaginawSansom Park

Zip Codes in Fort Worth

760067600876012760137602076028760367603976040760517605276053760607610276103761047610576106761077610876109761107611176112761147611576116761177611876119761207612376126761277612976131761327613376134761357613776140761487615576164761777617976244762477624876262