Climate Risk Summary

Zip Code 77088, Risk Profile

The primary drivers of climate-related financial risk in Houston, TX (77088) are Inland Flooding, Tornado, 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

Inland Flooding

$11,300,789

Expected Annual Loss for Zip Code 77088

76.0Score

Very High compared to US average

77088
Minimal Estimated LossMax Estimated Loss

Tornado

$4,545,836

Expected Annual Loss for Zip Code 77088

94.0Score

Very High compared to US average

77088
Minimal Estimated LossMax Estimated Loss

Hurricane

$3,291,173

Expected Annual Loss for Zip Code 77088

87.7Score

Relatively High compared to US average

77088
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
$11,300,789
Score: 76.0
MAJOR DRIVER
Tornado
$4,545,836
Score: 94.0
MAJOR DRIVER
Hurricane
$3,291,173
Score: 87.7
Cold Wave
$1,358,370
Score: 76.5
Heat Wave
$924,636
Score: 78.8
Lightning
$97,090
Score: 48.3
Strong Wind
$70,817
Score: 31.5
Earthquake
$46,000
Score: 18.0
Ice Storm
$32,983
Score: 42.3
Hail
$11,060
Score: 23.9
Winter Weather
$3,065
Score: 21.7
Wildfire
$451
Score: 31.2
Landslide
$92
Score: 59.5

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: 76.0
🌪️High Investment

Tornado Mitigation

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

Risk Score: 94.0
🌀High Investment

Hurricane Mitigation

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

Risk Score: 87.7

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 77038Zip Code 77091Zip Code 77086Zip Code 77092Zip Code 77040Zip Code 77018