Climate Risk Summary

Zip Code 75077, Risk Profile

The primary drivers of climate-related financial risk in Copper Canyon, TX (75077) are Tornado, Inland Flooding, and Hail.

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

Tornado

$5,896,927

Expected Annual Loss for Zip Code 75077

97.1Score

Very High compared to US average

75077
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$5,609,267

Expected Annual Loss for Zip Code 75077

50.9Score

Relatively Moderate compared to US average

75077
Minimal Estimated LossMax Estimated Loss

Hail

$1,801,919

Expected Annual Loss for Zip Code 75077

95.7Score

Relatively High compared to US average

75077
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Tornado
$5,896,927
Score: 97.1
MAJOR DRIVER
Inland Flooding
$5,609,267
Score: 50.9
MAJOR DRIVER
Hail
$1,801,919
Score: 95.7
Heat Wave
$817,059
Score: 76.2
Cold Wave
$562,411
Score: 55.3
Ice Storm
$139,299
Score: 78.8
Strong Wind
$136,286
Score: 47.2
Earthquake
$48,590
Score: 18.6
Wildfire
$46,558
Score: 50.5
Lightning
$41,399
Score: 26.4
Winter Weather
$17,405
Score: 43.2
Hurricane
$8,719
Score: 33.9
Landslide
$246
Score: 43.1
Drought
$1
Score: 12.6

Recommended Mitigation Strategies

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

🌪️High Investment

Tornado Mitigation

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

Risk Score: 97.1
💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 50.9
🧊Medium Investment

Hail Mitigation

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

Risk Score: 95.7

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

Nearby Locations

Zip Code 75028Zip Code 76226Zip Code 75065Zip Code 75067Zip Code 75057Zip Code 76210