Climate Risk Summary

Zip Code 76227, Risk Profile

The primary drivers of climate-related financial risk in Aubrey, TX (76227) are Tornado, Inland Flooding, and Hail. This area also faces an unusually high intensity for 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

Tornado

$7,273,816

Expected Annual Loss for Zip Code 76227

97.3Score

Very High compared to US average

76227 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$4,792,830

Expected Annual Loss for Zip Code 76227

42.3Score

Relatively Moderate compared to US average

76227
Minimal Estimated LossMax Estimated Loss

Hail

$1,867,134

Expected Annual Loss for Zip Code 76227

95.5Score

Relatively High compared to US average

76227
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Tornado
$7,273,816
Score: 97.3
MAJOR DRIVER
Inland Flooding
$4,792,830
Score: 42.3
MAJOR DRIVER
Hail
$1,867,134
Score: 95.5
Heat Wave
$1,017,285
Score: 79.5
Cold Wave
$703,723
Score: 59.8
UNUSUALLY HIGH
Wildfire
$284,488
Score: 83.1
Strong Wind
$165,767
Score: 51.5
Ice Storm
$146,861
Score: 78.3
Earthquake
$61,801
Score: 21.7
Lightning
$49,086
Score: 29.7
Winter Weather
$18,075
Score: 44.0
Hurricane
$11,540
Score: 35.7
Drought
$2,539
Score: 65.5
Landslide
$139
Score: 53.9

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: 97.3
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 42.3
🧊Medium Investment

Hail Mitigation

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

Risk Score: 95.5
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 83.1

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 76258Zip Code 76208Zip Code 75068Zip Code 76272Zip Code 76266Zip Code 75009