Climate Risk Summary

Plano, TX Risk Profile

The primary drivers of climate-related financial risk in Plano, TX are Tornado, Inland Flooding, and Hail.

City-Wide Aggregation

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

Primary Risks

Tornado

$113,041,888

Expected Annual Loss for Plano

99.4Score

Very High compared to US average

Plano (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$45,940,885

Expected Annual Loss for Plano

45.1Score

Relatively High compared to US average

Plano
Minimal Estimated LossMax Estimated Loss

Hail

$28,165,431

Expected Annual Loss for Plano

97.6Score

Very High compared to US average

Plano
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Tornado
$113,041,888
Score: 99.4
MAJOR DRIVER
Inland Flooding
$45,940,885
Score: 45.1
MAJOR DRIVER
Hail
$28,165,431
Score: 97.6
Cold Wave
$4,965,545
Score: 55.4
Heat Wave
$4,897,145
Score: 64.6
Earthquake
$936,536
Score: 30.0
Strong Wind
$706,698
Score: 34.5
Ice Storm
$463,736
Score: 52.7
Lightning
$191,650
Score: 15.2
Winter Weather
$171,098
Score: 46.4
Hurricane
$80,490
Score: 33.9
Wildfire
$14,940
Score: 27.2
Drought
$309
Score: 11.4
Landslide
$118
Score: 32.2

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: 99.4
🧊Medium Investment

Hail Mitigation

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

Risk Score: 97.6
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 55.4
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 64.6
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 52.7

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

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

AllenCarrolltonDallasFriscoGarland

Zip Codes in Plano

750107501375023750247502575074750757508275093750947525275287