Climate Risk Summary

Melwood, MD Risk Profile

The primary drivers of climate-related financial risk in Melwood, MD are Inland Flooding, Hurricane, and Earthquake.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$327,115

Expected Annual Loss for Melwood

17.6Score

Relatively Low compared to US average

Melwood
Minimal Estimated LossMax Estimated Loss

Hurricane

$64,160

Expected Annual Loss for Melwood

69.9Score

Relatively Low compared to US average

Melwood
Minimal Estimated LossMax Estimated Loss

Earthquake

$54,189

Expected Annual Loss for Melwood

58.7Score

Relatively Low compared to US average

Melwood
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$327,115
Score: 17.6
MAJOR DRIVER
Hurricane
$64,160
Score: 69.9
MAJOR DRIVER
Earthquake
$54,189
Score: 58.7
Tornado
$51,575
Score: 43.0
Heat Wave
$50,756
Score: 53.0
Lightning
$15,704
Score: 53.8
Strong Wind
$14,887
Score: 42.2
Cold Wave
$12,525
Score: 24.6
Hail
$9,881
Score: 53.1
Winter Weather
$7,495
Score: 71.2
Drought
$2,955
Score: 56.6
Ice Storm
$2,112
Score: 24.4
Landslide
$197
Score: 79.6
Wildfire
$152
Score: 42.1

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

🌀High Investment

Hurricane Mitigation

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

Risk Score: 69.9
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 58.7
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 53.0
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 53.8
🧊Medium Investment

Hail Mitigation

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

Risk Score: 53.1
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 71.2
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 56.6
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 79.6

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

Nearby Cities

Andrews AFBBrown StationClintonForestvilleMorningside

Zip Codes in Melwood

Climate Risk Analysis for Melwood, MD