Climate Risk Summary

Zip Code 76180, Risk Profile

The primary drivers of climate-related financial risk in North Richland Hills, TX (76180) are Inland Flooding, Tornado, 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

Inland Flooding

$5,179,026

Expected Annual Loss for Zip Code 76180

48.3Score

Relatively Moderate compared to US average

76180
Minimal Estimated LossMax Estimated Loss

Tornado

$2,421,941

Expected Annual Loss for Zip Code 76180

81.9Score

Relatively High compared to US average

76180
Minimal Estimated LossMax Estimated Loss

Hail

$1,842,329

Expected Annual Loss for Zip Code 76180

95.7Score

Relatively High compared to US average

76180
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$5,179,026
Score: 48.3
MAJOR DRIVER
Tornado
$2,421,941
Score: 81.9
MAJOR DRIVER
Hail
$1,842,329
Score: 95.7
Heat Wave
$927,911
Score: 78.9
Cold Wave
$542,112
Score: 54.5
Earthquake
$83,122
Score: 26.0
Ice Storm
$44,892
Score: 50.6
Lightning
$34,423
Score: 23.2
Strong Wind
$26,668
Score: 17.2
Winter Weather
$19,458
Score: 46.5
Hurricane
$7,795
Score: 33.3
Wildfire
$438
Score: 30.0
Landslide
$7
Score: 20.8

Recommended Mitigation Strategies

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

💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 48.3
🌪️High Investment

Tornado Mitigation

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

Risk Score: 81.9
🧊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 76118Zip Code 76148Zip Code 76182Zip Code 76053Zip Code 76117Zip Code 76054
76180 Climate Risk Report | North Richland Hills, TX