Climate Risk Summary

Zip Code 78359, Risk Profile

The primary drivers of climate-related financial risk in Gregory, TX (78359) are Inland Flooding, Hurricane, and Cold Wave. This area also faces an unusually high intensity for Drought 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

$409,186

Expected Annual Loss for Zip Code 78359

54.9Score

Relatively Moderate compared to US average

78359
Minimal Estimated LossMax Estimated Loss

Hurricane

$346,532

Expected Annual Loss for Zip Code 78359

90.8Score

Relatively High compared to US average

78359
Minimal Estimated LossMax Estimated Loss

Cold Wave

$153,729

Expected Annual Loss for Zip Code 78359

86.3Score

Relatively High compared to US average

78359
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
$409,186
Score: 54.9
MAJOR DRIVER
Hurricane
$346,532
Score: 90.8
MAJOR DRIVER
Cold Wave
$153,729
Score: 86.3
Tornado
$86,697
Score: 65.2
Heat Wave
$53,036
Score: 74.4
UNUSUALLY HIGH
Drought
$15,527
Score: 91.3
Strong Wind
$10,242
Score: 48.8
Hail
$8,847
Score: 62.5
Lightning
$6,647
Score: 46.9
Ice Storm
$1,947
Score: 37.8
Coastal Flooding
$1,110
Score: 79.9
Winter Weather
$984
Score: 39.4
Earthquake
$634
Score: 6.1
Wildfire
$25
Score: 30.4

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: 54.9
🌀High Investment

Hurricane Mitigation

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

Risk Score: 90.8
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.3
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.3

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 78390Zip Code 78374Zip Code 78336Zip Code 78402Zip Code 78362Zip Code 78340