Climate Risk Summary

Zip Code 78101, Risk Profile

The primary drivers of climate-related financial risk in St. Hedwig, TX (78101) are Inland Flooding, Tornado, and Hail. This area also faces an unusually high intensity for Drought and Wildfire 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

$2,976,989

Expected Annual Loss for Zip Code 78101

64.1Score

Very High compared to US average

78101
Minimal Estimated LossMax Estimated Loss

Tornado

$602,646

Expected Annual Loss for Zip Code 78101

84.7Score

Relatively High compared to US average

78101
Minimal Estimated LossMax Estimated Loss

Hail

$439,213

Expected Annual Loss for Zip Code 78101

93.5Score

Very High compared to US average

78101
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
$2,976,989
Score: 64.1
MAJOR DRIVER
Tornado
$602,646
Score: 84.7
MAJOR DRIVER
Hail
$439,213
Score: 93.5
Heat Wave
$170,894
Score: 74.7
Cold Wave
$93,783
Score: 46.5
Strong Wind
$66,083
Score: 59.7
UNUSUALLY HIGH
Drought
$60,801
Score: 86.7
Lightning
$51,313
Score: 65.7
UNUSUALLY HIGH
Wildfire
$44,853
Score: 88.1
Hurricane
$26,014
Score: 53.6
Winter Weather
$8,825
Score: 57.1
Ice Storm
$4,520
Score: 28.9
Earthquake
$2,641
Score: 7.4
Landslide
$5
Score: 43.8

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: 64.1
🌪️High Investment

Tornado Mitigation

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

Risk Score: 84.7
🧊Medium Investment

Hail Mitigation

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

Risk Score: 93.5
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.7
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 88.1

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 78263Zip Code 78121Zip Code 78152Zip Code 78223Zip Code 78114Zip Code 78109