Climate Risk Summary

Zip Code 79045, Risk Profile

The primary drivers of climate-related financial risk in Hereford, TX (79045) are Hail, Cold Wave, and Drought. This area also faces an unusually high intensity for Tornado, Strong Wind, Winter Weather, and Lightning 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

Hail

$6,077,223

Expected Annual Loss for Zip Code 79045

98.3Score

Very High compared to US average

79045 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Cold Wave

$4,944,953

Expected Annual Loss for Zip Code 79045

92.7Score

Very High compared to US average

79045 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Drought

$4,745,642

Expected Annual Loss for Zip Code 79045

83.9Score

Very High compared to US average

79045
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hail
$6,077,223
Score: 98.3
MAJOR DRIVER
Cold Wave
$4,944,953
Score: 92.7
MAJOR DRIVER
Drought
$4,745,642
Score: 83.9
UNUSUALLY HIGH
Tornado
$2,430,539
Score: 96.7
Inland Flooding
$1,779,729
Score: 30.6
UNUSUALLY HIGH
Strong Wind
$1,567,252
Score: 95.1
Wildfire
$790,623
Score: 71.3
UNUSUALLY HIGH
Winter Weather
$440,843
Score: 99.6
Earthquake
$131,239
Score: 49.0
UNUSUALLY HIGH
Lightning
$117,126
Score: 80.7
Heat Wave
$106,151
Score: 38.5
Ice Storm
$17,505
Score: 47.3
Landslide
$3
Score: 12.9

Recommended Mitigation Strategies

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

🧊Medium Investment

Hail Mitigation

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

Risk Score: 98.3
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.7
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 83.9
🌪️High Investment

Tornado Mitigation

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

Risk Score: 96.7
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 95.1
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.6
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.7

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 79035Zip Code 79085Zip Code 79001Zip Code 79092Zip Code 79098Zip Code 79027