Climate Risk Summary

Pinehurst, TX Risk Profile

The primary drivers of climate-related financial risk in Pinehurst, TX are Hurricane, Inland Flooding, and Tornado. This area also faces an unusually high intensity for Lightning, Coastal Flooding, Ice Storm, and Wildfire compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Pinehurst.

Primary Risks

Hurricane

$672,826

Expected Annual Loss for Pinehurst

93.9Score

Relatively High compared to US average

Pinehurst
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$319,831

Expected Annual Loss for Pinehurst

32.2Score

Relatively Low compared to US average

Pinehurst
Minimal Estimated LossMax Estimated Loss

Tornado

$145,843

Expected Annual Loss for Pinehurst

72.9Score

Relatively Moderate compared to US average

Pinehurst
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$672,826
Score: 93.9
MAJOR DRIVER
Inland Flooding
$319,831
Score: 32.2
MAJOR DRIVER
Tornado
$145,843
Score: 72.9
Cold Wave
$51,013
Score: 56.7
UNUSUALLY HIGH
Lightning
$39,987
Score: 92.3
UNUSUALLY HIGH
Coastal Flooding
$38,340
Score: 92.8
Heat Wave
$22,650
Score: 40.6
UNUSUALLY HIGH
Ice Storm
$17,008
Score: 85.3
Strong Wind
$8,905
Score: 39.9
Earthquake
$8,626
Score: 29.8
UNUSUALLY HIGH
Wildfire
$5,155
Score: 81.3
Hail
$2,763
Score: 38.3
Winter Weather
$1,296
Score: 40.8

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: 93.9
🌪️High Investment

Tornado Mitigation

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

Risk Score: 72.9
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 56.7
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.3
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.8
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 85.3
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 81.3

Sources and Methodology

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 Cities

Bridge CityForest HeightsLittle CypressMauricevilleOrange

Zip Codes in Pinehurst

7763077632