Climate Risk Summary

Zip Code 77504, Risk Profile

The primary drivers of climate-related financial risk in Pasadena, TX (77504) are Inland Flooding, Hurricane, and Tornado. 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

$3,372,197

Expected Annual Loss for Zip Code 77504

65.9Score

Relatively High compared to US average

77504
Minimal Estimated LossMax Estimated Loss

Hurricane

$2,153,848

Expected Annual Loss for Zip Code 77504

90.1Score

Relatively High compared to US average

77504
Minimal Estimated LossMax Estimated Loss

Tornado

$1,956,094

Expected Annual Loss for Zip Code 77504

93.1Score

Very High compared to US average

77504
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
$3,372,197
Score: 65.9
MAJOR DRIVER
Hurricane
$2,153,848
Score: 90.1
MAJOR DRIVER
Tornado
$1,956,094
Score: 93.1
Cold Wave
$658,544
Score: 78.0
UNUSUALLY HIGH
Heat Wave
$448,000
Score: 80.2
Lightning
$47,050
Score: 50.5
Strong Wind
$29,117
Score: 29.6
Earthquake
$24,225
Score: 19.6
Ice Storm
$16,866
Score: 44.9
Coastal Flooding
$7,932
Score: 49.5
Hail
$5,059
Score: 23.6
Winter Weather
$1,530
Score: 22.4
Wildfire
$290
Score: 35.1
Drought
$259
Score: 14.2
Landslide
$24
Score: 46.7

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: 65.9
🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 90.1
🌪️High Investment

Tornado Mitigation

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

Risk Score: 93.1
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 80.2

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 77034Zip Code 77502Zip Code 77587Zip Code 77505Zip Code 77503Zip Code 77089