Climate Risk Summary

Zip Code 77590, Risk Profile

The primary drivers of climate-related financial risk in Texas City, TX (77590) are Cold Wave, Hurricane, and Tornado. This area also faces an unusually high intensity for Lightning and Coastal Flooding 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

Cold Wave

$4,472,868

Expected Annual Loss for Zip Code 77590

98.6Score

Very High compared to US average

77590

Minimal Estimated LossMax Estimated Loss

Hurricane

$2,806,886

Expected Annual Loss for Zip Code 77590

90.8Score

Relatively High compared to US average

77590

Minimal Estimated LossMax Estimated Loss

Tornado

$1,499,931

Expected Annual Loss for Zip Code 77590

86.7Score

Very High compared to US average

77590

Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Cold Wave

$4,472,868

Score: 98.6

MAJOR DRIVER

Hurricane

$2,806,886

Score: 90.8

MAJOR DRIVER

Tornado

$1,499,931

Score: 86.7

Inland Flooding

$978,344

Score: 12.0

Heat Wave

$407,400

Score: 75.9

UNUSUALLY HIGH

Lightning

$224,556

Score: 90.6

Ice Storm

$68,070

Score: 77.8

UNUSUALLY HIGH

Coastal Flooding

$45,587

Score: 85.3

Strong Wind

$42,327

Score: 35.0

Hail

$38,289

Score: 52.9

Earthquake

$33,818

Score: 23.0

Drought

$23,735

Score: 7.1

Wildfire

$19,598

Score: 48.1

Winter Weather

$1,055

Score: 19.4

Landslide

Score: 2.5

Recommended Mitigation Strategies

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

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.6

🌀High Investment

Hurricane Mitigation

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

Risk Score: 90.8

🌪️High Investment

Tornado Mitigation

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

Risk Score: 86.7

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.6

🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.3

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 77568 Zip Code 77591 Zip Code 77539 Zip Code 77563 Zip Code 77554 Zip Code 77551