Climate Risk Summary

San Antonio, TX Risk Profile

The primary drivers of climate-related financial risk in San Antonio, TX are Inland Flooding, Tornado, and Hail. This area also faces an unusually high intensity for Heat Wave compared to national averages.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$260,603,822

Expected Annual Loss for San Antonio

68.0Score

Very High compared to US average

San Antonio
Minimal Estimated LossMax Estimated Loss

Tornado

$89,399,634

Expected Annual Loss for San Antonio

88.5Score

Very High compared to US average

San Antonio
Minimal Estimated LossMax Estimated Loss

Hail

$50,096,182

Expected Annual Loss for San Antonio

94.8Score

Very High compared to US average

San Antonio
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$260,603,822
Score: 68.0
MAJOR DRIVER
Tornado
$89,399,634
Score: 88.5
MAJOR DRIVER
Hail
$50,096,182
Score: 94.8
UNUSUALLY HIGH
Heat Wave
$28,483,384
Score: 81.7
Cold Wave
$6,893,001
Score: 38.2
Hurricane
$1,901,382
Score: 49.6
Lightning
$1,408,473
Score: 32.6
Strong Wind
$1,066,802
Score: 21.9
Wildfire
$525,893
Score: 41.6
Earthquake
$354,315
Score: 7.0
Winter Weather
$224,660
Score: 31.8
Ice Storm
$222,202
Score: 12.0
Drought
$88,814
Score: 13.0
Landslide
$10,847
Score: 33.4

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: 68.0
🌪️High Investment

Tornado Mitigation

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

Risk Score: 88.5
🧊Medium Investment

Hail Mitigation

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

Risk Score: 94.8
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 81.7

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

Alamo HeightsBalcones HeightsCastle HillsLackland AFBLeon Valley

Zip Codes in San Antonio

780237805678073781097811278154782017820278203782047820578207782087820978210782117821278213782147821578216782177821878219782207822178222782237822478225782267822778228782297823078231782327823378234782357823678237782387823978240782427824378244782457824778248782497825078251782527825378254782557825678257782587825978260782637826478266