ClimateATLASPlan a screening
CLIMATE ATLAS / THE EVIDENCE EDITION01 — 07
NATURAL HAZARD SCREENING / REAL ESTATE

County climate risk
screening.
See the pattern.

Climate Atlas helps ESG reporting teams, consultants, real-estate teams and lender risk teams screen portfolios using county FEMA ratings and annualized loss. Inspect the free sample, then review a comparison workbook with source fields and an exceptions queue. Keep county evidence beside your shortlist and identify the next location checks.

Compare the counties ↗The portfolio offering ↓El Niño 2026–27 by county ↗

Five-county preview. Building risk requires separate location evidence.

01 / COUNTY RATINGSSOURCE DATA
Coastal floodVery High
Riverine floodVery High
HurricaneVery High
WildfireRelatively Moderate
EarthquakeRelatively Low
TornadoRelatively High
Heat waveRelatively High
VERY LOWVERY HIGH

Position: source category, not a score
No highlight: unrated hazard

FEMA National Risk Index (NRI) · supplied Dec 2025 workbook · Source & method ↗

02 / THE SHORTLIST, SIDE BY SIDE

How do hazards differ
across five counties?

The same fields across five counties.
Choose a county to guide further research.

Seven hazards → scroll sideways · fixed county names

Original FEMA county risk ratings
CountyCoastal floodRiverine floodHurricaneWildfireEarthquakeTornadoHeat wave
Los AngelesCA / 06037Relatively HighVery HighNo RatingVery HighVery HighRelatively HighRelatively High
DenverCO / 08031Not ApplicableRelatively HighNot ApplicableVery LowRelatively ModerateRelatively HighRelatively Low
Miami-DadeFL / 12086Very HighVery HighVery HighRelatively ModerateRelatively LowRelatively HighRelatively High
HarrisTX / 48201Relatively HighVery HighVery HighRelatively LowRelatively ModerateVery HighVery High
ChittendenVT / 50007Not ApplicableRelatively ModerateRelatively LowVery LowRelatively LowRelatively LowRelatively Low
Very LowRelatively LowRelatively ModerateRelatively HighVery High

Five selected counties · original FEMA rating labels · Source & method ↗

Take the workbook with you ↓
03 / ANNUALIZED LOSSES

How do modeled losses
compare across counties?

Modeled expected annual loss, in dollars per year.
Hazard bars share one scale across all five counties.

CA / 06037SOURCE DATA

Los Angeles

$7.60Bexpected annual loss
all hazards, per year

Largest modeled losses

Earthquake$4.57B
Riverine flood$2.81B
Wildfire$155.2M
Population
10,005,712
Building value
$1,703.72B
Social vulnerability
55.4
Community resilience
13.5
CO / 08031SOURCE DATA

Denver

$222.0Mexpected annual loss
all hazards, per year

Largest modeled losses

Riverine flood$93.6M
Tornado$28.0M
Earthquake$7.4M
Population
715,210
Building value
$135.93B
Social vulnerability
17.8
Community resilience
68.5
FL / 12086SOURCE DATA

Miami-Dade

$824.7Mexpected annual loss
all hazards, per year

Largest modeled losses

Riverine flood$355.8M
Hurricane$330.6M
Heat wave$31.1M
Population
2,698,679
Building value
$358.74B
Social vulnerability
75.9
Community resilience
42.9
TX / 48201SOURCE DATA

Harris

$2.22Bexpected annual loss
all hazards, per year

Largest modeled losses

Riverine flood$1.12B
Hurricane$457.9M
Tornado$407.4M
Population
4,726,200
Building value
$838.84B
Social vulnerability
67.9
Community resilience
17.9
VT / 50007SOURCE DATA

Chittenden

$40.1Mexpected annual loss
all hazards, per year

Largest modeled losses

Riverine flood$28.8M
Earthquake$2.1M
Heat wave$1.8M
Population
168,162
Building value
$40.41B
Social vulnerability
10.6
Community resilience
94.3

County totals · no multiplication by site counts
Index ranks: 0–100 · no asset measurements

Switch measures across all five counties ↗ · Independent presentation · no government affiliation or endorsement
04 / NATIONAL RATINGS

How common is
each rating?

3,232county records in this workbook

Switch the hazard to see the full source distribution.

Bar length: share of 3,232 county records
No property or population weighting

Download chart data ↓

Wildfire

Very Low1,993
Relatively Low801
Relatively Moderate274
Relatively High71
Very High4
No Rating1
Insufficient Data88
0 counties3,232 counties

Full supplied county workbook · missing and unrated included · Source & method ↗

05 / CHANGE THE COMPARISON

How do two counties compare
hazard by hazard?

Compare each hazard’s category.
There is no combined “best place” score.

A / FIXED REFERENCE

Los Angeles, CA

Coastal floodRelatively High
Riverine floodVery High
HurricaneNo Rating
WildfireVery High
EarthquakeVery High
TornadoRelatively High
Heat waveRelatively High
VERY LOW → VERY HIGH
Coastal floodVery High
Riverine floodVery High
HurricaneVery High
WildfireRelatively Moderate
EarthquakeRelatively Low
TornadoRelatively High
Heat waveRelatively High
VERY LOW → VERY HIGH

Dots show ordered categories rather than a continuous scale. Unrated hazards have no dot. · Source & method ↗

06 / DATA COMPLETENESS

Which ratings
are missing?

5 counties × 7 hazards.
Every field accounted for.

Inspect the source rows ↗
31/35

fields with an
ordered risk rating

Los Angeles: Coastal flood — Relatively High✓Los Angeles: Riverine flood — Very High✓Los Angeles: Hurricane — No Rating—Los Angeles: Wildfire — Very High✓Los Angeles: Earthquake — Very High✓Los Angeles: Tornado — Relatively High✓Los Angeles: Heat wave — Relatively High✓Denver: Coastal flood — Not Applicable—Denver: Riverine flood — Relatively High✓Denver: Hurricane — Not Applicable—Denver: Wildfire — Very Low✓Denver: Earthquake — Relatively Moderate✓Denver: Tornado — Relatively High✓Denver: Heat wave — Relatively Low✓Miami-Dade: Coastal flood — Very High✓Miami-Dade: Riverine flood — Very High✓Miami-Dade: Hurricane — Very High✓Miami-Dade: Wildfire — Relatively Moderate✓Miami-Dade: Earthquake — Relatively Low✓Miami-Dade: Tornado — Relatively High✓Miami-Dade: Heat wave — Relatively High✓Harris: Coastal flood — Relatively High✓Harris: Riverine flood — Very High✓Harris: Hurricane — Very High✓Harris: Wildfire — Relatively Low✓Harris: Earthquake — Relatively Moderate✓Harris: Tornado — Very High✓Harris: Heat wave — Very High✓Chittenden: Coastal flood — Not Applicable—Chittenden: Riverine flood — Relatively Moderate✓Chittenden: Hurricane — Relatively Low✓Chittenden: Wildfire — Very Low✓Chittenden: Earthquake — Relatively Low✓Chittenden: Tornado — Relatively Low✓Chittenden: Heat wave — Relatively Low✓
1No Rating
3Not Applicable

Tiles show county–hazard fields in table order.
A dash marks a field without an ordered rating.

Sample completeness · not property coverage · Source & method ↗

Independent presentation · no government affiliation or endorsement

07 / THE COUNTY COMPARISON REPORT

What does the comparison
report contain?

Review county evidence alongside your property shortlist.

Compare 27 reviewed metrics: 7 hazard ratings, modeled annual loss, exposure, vulnerability and resilience. The example report shows location concentration and unresolved rows.

Inspect the example report ↗Open the free sample ↗
PILOT / CONFIRM SCOPE
$499/ UP TO 25 ROWS

County evidence organized around your shortlist

  • Six-sheet comparison workbook (27 metrics)
  • PDF executive summary with source notes
  • Location list and explicit exception queue
  • One clarification or correction round
See the example report ↗

We confirm county coverage and delivery timing before you order.

Compare county report and data access pricing.

Start small with ESG and CSR advisory.

Who is Climate Atlas for?

ESG reporting teams

Organize county evidence before deciding which locations need more research. Retain sources, periods and gaps alongside your working notes. Use the screening checklist to keep follow-ups visible.

Consultants

Inspect the example report before scoping a client shortlist. The workbook separates supplied locations, county comparisons and unresolved rows, so another reviewer can follow the evidence.

Real-estate and lender risk teams

Compare markets before commissioning detailed location work. Review data access options when your team needs a repeatable county evidence workflow.

What do you get free?

What does the paid work add?

Your shortlist is organized into county comparisons, location concentration and an exceptions queue. Review pricing and confirm coverage before ordering.

Why not a single risk score?

Separate hazard labels and annualized loss keep inputs auditable. County grain describes an area, so we preserve each source field rather than combine different measures into a black-box score. A county total is not a loss estimate for the assets on your shortlist. Read the methodology before interpreting the comparison.

What else should you know before choosing a report?

Is Climate Atlas free?

The county pages, sample downloads, guides, El Niño history and example report are free. See pricing for scoped paid work.

How much does a report cost?

The $499 pilot covers up to 25 rows after coverage confirmation. See pricing and scope.

Who is the county comparison report for?

Acquisition and asset-management teams comparing U.S. markets and organizing an initial property shortlist.

What can I inspect before choosing a report?

The free Excel and CSV sample contains all 27 reviewed metrics for 5 counties. The report page shows how six sheets organize a custom shortlist.

What does the paid work add?

Your county-linked shortlist, location concentration, source-labeled comparison and unresolved rows, in XLSX and PDF. The $499 pilot covers up to 25 rows after coverage confirmation.

Does this show an individual building’s risk?

Building flood zones, condition and expected damage need separate evidence. See the flood-zone guide.

Why use Climate Atlas when source data is public?

Keep the comparison, source fields, definitions and review steps together in a working file for your shortlist.

All county profiles A–Z

County profiles by state

Arizona

California

Colorado

Florida

Georgia

Illinois

Massachusetts

Michigan

Minnesota

Nevada

New York

Ohio

Oklahoma

Oregon

Pennsylvania

South Carolina

Tennessee

Texas

Vermont

Washington