Climate Risk Summary

Zip Code 77541, Risk Profile

The primary drivers of climate-related financial risk in Freeport, TX (77541) are Hurricane, Inland Flooding, and Coastal Flooding. This area also faces an unusually high intensity for Tornado and Wildfire 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

$2,655,085

Expected Annual Loss for Zip Code 77541

93.5Score

Relatively High compared to US average

77541
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$2,152,956

Expected Annual Loss for Zip Code 77541

49.8Score

Relatively High compared to US average

77541
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$987,147

Expected Annual Loss for Zip Code 77541

91.2Score

Very High compared to US average

77541
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$2,655,085
Score: 93.5
MAJOR DRIVER
Inland Flooding
$2,152,956
Score: 49.8
MAJOR DRIVER
Coastal Flooding
$987,147
Score: 91.2
UNUSUALLY HIGH
Tornado
$794,925
Score: 83.0
Cold Wave
$243,467
Score: 63.6
Heat Wave
$239,674
Score: 74.2
UNUSUALLY HIGH
Wildfire
$178,507
Score: 88.2
Lightning
$85,283
Score: 79.9
Strong Wind
$30,953
Score: 38.3
Ice Storm
$22,398
Score: 63.3
Hail
$15,075
Score: 45.0
Earthquake
$11,950
Score: 15.7
Drought
$7,033
Score: 30.4
Winter Weather
$1,140
Score: 22.4
Landslide
$28
Score: 35.8

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: 93.5
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 49.8
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.2
🌪️High Investment

Tornado Mitigation

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

Risk Score: 83.0
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 88.2

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 77515Zip Code 77531Zip Code 77566Zip Code 77534Zip Code 77422Zip Code 77577