Climate Risk Summary

Zip Code 77483, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, TX (77483) are Hurricane, Inland Flooding, and Coastal Flooding. This area also faces an unusually high intensity for Drought 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

Hurricane

$1,059,556

Expected Annual Loss for Zip Code 77483

98.4Score

Very High compared to US average

77483

Minimal Estimated LossMax Estimated Loss

Inland Flooding

$280,381

Expected Annual Loss for Zip Code 77483

54.8Score

Relatively Moderate compared to US average

77483

Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$186,858

Expected Annual Loss for Zip Code 77483

98.6Score

Relatively High compared to US average

77483

Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Hurricane

$1,059,556

Score: 98.4

MAJOR DRIVER

Inland Flooding

$280,381

Score: 54.8

MAJOR DRIVER

Coastal Flooding

$186,858

Score: 98.6

UNUSUALLY HIGH

Drought

$63,347

Score: 96.6

Cold Wave

$23,870

Score: 51.8

Tornado

$20,333

Score: 44.3

Heat Wave

$15,933

Score: 48.1

UNUSUALLY HIGH

Wildfire

$14,604

Score: 90.4

Lightning

$5,628

Score: 53.3

Hail

$4,445

Score: 56.7

Strong Wind

$3,061

Score: 28.6

Ice Storm

$1,173

Score: 34.4

Earthquake

$639

Score: 8.0

Winter Weather

$112

Score: 19.7

Landslide

Score: 56.3

Recommended Mitigation Strategies

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

🌀High Investment

Hurricane Mitigation

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

Risk Score: 98.4

💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 54.8

🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.6

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 96.6

🔥Low Investment

Wildfire Mitigation

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

Risk Score: 90.4

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 77414 Zip Code 77457 Zip Code 77415 Zip Code 77465 Zip Code 77482 Zip Code 77480