Climate Risk Summary

Zip Code 76271, Risk Profile

The primary drivers of climate-related financial risk in Gunter, TX (76271) are Inland Flooding, Tornado, and Hail. This area also faces an unusually high intensity for Heat Wave, Wildfire, Ice Storm, and 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

$722,376

Expected Annual Loss for Zip Code 76271

82.3Score

Relatively High compared to US average

76271
Minimal Estimated LossMax Estimated Loss

Tornado

$411,881

Expected Annual Loss for Zip Code 76271

95.0Score

Very High compared to US average

76271
Minimal Estimated LossMax Estimated Loss

Hail

$104,665

Expected Annual Loss for Zip Code 76271

94.4Score

Relatively High compared to US average

76271
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
$722,376
Score: 82.3
MAJOR DRIVER
Tornado
$411,881
Score: 95.0
MAJOR DRIVER
Hail
$104,665
Score: 94.4
UNUSUALLY HIGH
Heat Wave
$97,246
Score: 89.5
Cold Wave
$76,748
Score: 72.0
UNUSUALLY HIGH
Wildfire
$72,365
Score: 94.8
Strong Wind
$43,793
Score: 79.5
UNUSUALLY HIGH
Ice Storm
$37,147
Score: 94.5
Earthquake
$16,902
Score: 49.6
UNUSUALLY HIGH
Drought
$15,431
Score: 91.8
Lightning
$9,065
Score: 59.7
Hurricane
$4,194
Score: 50.3
Winter Weather
$2,154
Score: 59.4
Landslide
$26
Score: 73.8

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: 82.3
🌪️High Investment

Tornado Mitigation

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

Risk Score: 95.0
🧊Medium Investment

Hail Mitigation

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

Risk Score: 94.4
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 89.5
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 94.8
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 94.5
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.8

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 76258Zip Code 76233Zip Code 76272Zip Code 75058Zip Code 76240Zip Code 75009