Climate Risk Summary

Zip Code 77563, Risk Profile

The primary drivers of climate-related financial risk in Hitchcock, TX (77563) are Inland Flooding, Cold Wave, and Hurricane. This area also faces an unusually high intensity for Coastal Flooding, Lightning, and Wildfire 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

$2,944,908

Expected Annual Loss for Zip Code 77563

65.7Score

Relatively High compared to US average

77563

Minimal Estimated LossMax Estimated Loss

Cold Wave

$2,402,928

Expected Annual Loss for Zip Code 77563

97.3Score

Very High compared to US average

77563

Minimal Estimated LossMax Estimated Loss

Hurricane

$1,892,568

Expected Annual Loss for Zip Code 77563

90.6Score

Relatively High compared to US average

77563

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

$2,944,908

Score: 65.7

MAJOR DRIVER

Cold Wave

$2,402,928

Score: 97.3

MAJOR DRIVER

Hurricane

$1,892,568

Score: 90.6

Drought

$1,150,933

Score: 58.8

Tornado

$856,228

Score: 79.9

UNUSUALLY HIGH

Coastal Flooding

$660,240

Score: 94.9

Heat Wave

$222,446

Score: 66.5

UNUSUALLY HIGH

Lightning

$115,241

Score: 82.4

UNUSUALLY HIGH

Wildfire

$72,942

Score: 84.4

Ice Storm

$49,142

Score: 76.6

Strong Wind

$28,302

Score: 32.3

Hail

$25,403

Score: 50.6

Earthquake

$11,937

Score: 14.3

Winter Weather

$625

Score: 18.2

Landslide

Score: 42.2

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: 65.7

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 97.3

🌀High Investment

Hurricane Mitigation

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

Risk Score: 90.6

🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 94.9

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.4

🔥Low Investment

Wildfire Mitigation

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

Risk Score: 84.4

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 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 77568 Zip Code 77510 Zip Code 77554 Zip Code 77591 Zip Code 77590 Zip Code 77539