Climate Risk Summary

Zip Code 78022, Risk Profile

The primary drivers of climate-related financial risk in George West, TX (78022) are Cold Wave, Inland Flooding, and Hurricane.

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

Cold Wave

$1,262,465

Expected Annual Loss for Zip Code 78022

98.0Score

Very High compared to US average

78022
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,016,753

Expected Annual Loss for Zip Code 78022

54.9Score

Relatively Moderate compared to US average

78022
Minimal Estimated LossMax Estimated Loss

Hurricane

$587,674

Expected Annual Loss for Zip Code 78022

87.6Score

Relatively High compared to US average

78022
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Cold Wave
$1,262,465
Score: 98.0
MAJOR DRIVER
Inland Flooding
$1,016,753
Score: 54.9
MAJOR DRIVER
Hurricane
$587,674
Score: 87.6
Tornado
$257,368
Score: 68.7
Heat Wave
$153,579
Score: 77.5
Drought
$70,957
Score: 50.8
Hail
$57,897
Score: 75.4
Strong Wind
$34,555
Score: 56.3
Lightning
$16,811
Score: 46.7
Wildfire
$12,555
Score: 74.6
Ice Storm
$8,680
Score: 52.7
Winter Weather
$3,271
Score: 45.0
Earthquake
$1,809
Score: 6.8
Landslide
$15
Score: 42.0

Recommended Mitigation Strategies

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

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.0
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 54.9
🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 87.6

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

Nearby Locations

Zip Code 78071Zip Code 78383Zip Code 78372Zip Code 78368Zip Code 78072Zip Code 78102
78022 Climate Risk Report | George West, TX