Climate Risk Summary

Zip Code 79035, Risk Profile

The primary drivers of climate-related financial risk in Friona, TX (79035) are Drought, Hail, and Tornado. This area also faces an unusually high intensity for Cold Wave, Strong Wind, Winter Weather, 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

Drought

$16,568,563

Expected Annual Loss for Zip Code 79035

100.0Score

Very High compared to US average

79035 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Hail

$701,463

Expected Annual Loss for Zip Code 79035

99.7Score

Very High compared to US average

79035 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Tornado

$480,163

Expected Annual Loss for Zip Code 79035

96.5Score

Very High compared to US average

79035
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Drought
$16,568,563
Score: 100.0
MAJOR DRIVER
Hail
$701,463
Score: 99.7
MAJOR DRIVER
Tornado
$480,163
Score: 96.5
UNUSUALLY HIGH
Cold Wave
$458,351
Score: 96.2
Inland Flooding
$330,320
Score: 30.5
UNUSUALLY HIGH
Strong Wind
$203,222
Score: 98.2
UNUSUALLY HIGH
Winter Weather
$68,571
Score: 99.4
UNUSUALLY HIGH
Wildfire
$47,762
Score: 92.7
Heat Wave
$31,119
Score: 49.1
Lightning
$19,775
Score: 73.3
Earthquake
$17,162
Score: 41.6
Hurricane
$16,837
Score: 57.2
Ice Storm
$4,106
Score: 50.6
Landslide
$0
Score: 14.7

Recommended Mitigation Strategies

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

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 100.0
🧊Medium Investment

Hail Mitigation

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

Risk Score: 99.7
🌪️High Investment

Tornado Mitigation

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

Risk Score: 96.5
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 96.2
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 98.2
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.4
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 92.7

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 79045Zip Code 79009Zip Code 79325Zip Code 79347Zip Code 88135Zip Code 88101