Climate Risk Summary

Zip Code 78259, Risk Profile

The primary drivers of climate-related financial risk in San Antonio, TX (78259) are Inland Flooding, Tornado, and Hail. This area also faces an unusually high intensity for Heat Wave 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

Inland Flooding

$5,793,120

Expected Annual Loss for Zip Code 78259

78.3Score

Relatively High compared to US average

78259
Minimal Estimated LossMax Estimated Loss

Tornado

$2,063,685

Expected Annual Loss for Zip Code 78259

90.7Score

Very High compared to US average

78259
Minimal Estimated LossMax Estimated Loss

Hail

$1,254,574

Expected Annual Loss for Zip Code 78259

96.8Score

Very High compared to US average

78259
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
$5,793,120
Score: 78.3
MAJOR DRIVER
Tornado
$2,063,685
Score: 90.7
MAJOR DRIVER
Hail
$1,254,574
Score: 96.8
UNUSUALLY HIGH
Heat Wave
$604,369
Score: 82.1
Cold Wave
$146,212
Score: 37.6
Hurricane
$54,388
Score: 52.5
Lightning
$30,727
Score: 32.9
Wildfire
$27,815
Score: 74.0
Strong Wind
$26,427
Score: 23.9
Ice Storm
$5,836
Score: 15.9
Winter Weather
$4,960
Score: 32.1
Earthquake
$2,992
Score: 4.0
Drought
$49
Score: 20.9
Landslide
$40
Score: 56.7

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: 78.3
🌪️High Investment

Tornado Mitigation

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

Risk Score: 90.7
🧊Medium Investment

Hail Mitigation

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

Risk Score: 96.8
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 82.1

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

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

Nearby Locations

Zip Code 78247Zip Code 78261Zip Code 78266Zip Code 78258Zip Code 78232Zip Code 78217