Natural Disaster Risk in Loiza
PR
Risk Summary for Loiza
Loiza scores 2.2/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Tsunami.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Loiza, PR
Loiza is a city of approximately 16,829 residents in Loíza County, near the Atlantic Coast of the southeastern United States. The area experiences a temperate continental climate with four seasons, with seasonal severe weather shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Loiza.
FEMA rates Loiza's composite natural disaster risk at 2.2 out of 10 — low risk. The threat of tsunami inundation tops the local coastal risk profile, requiring residents in low-lying areas to maintain awareness of evacuation routes and warning systems. Residents should also account for volcano and coastal flood risk in their preparedness planning.
Loiza's risk score and well below the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Loíza County, the highest-scoring are tsunami, volcano, and coastal flood. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Loiza carries a below-average natural disaster risk, reflecting fewer and less severe hazard exposures than typical U.S. communities. Even so, the area's primary risk — tsunami — warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.
What this means for Loiza: Tsunami preparedness
- If you feel strong shaking near the coast, move to high ground immediately — do not wait for an official warning.
- Learn your community evacuation routes and the location of designated assembly areas.
- Standard homeowners insurance excludes tsunami flooding; flood coverage may be needed.
Local Factors for Loiza
These city-level factors differentiate Loiza from other communities in Loíza County and provide geographic context for its hazard exposure.
Population
16,829
SuburbanGeographic Zone
SE Atlantic Coast
Hurricane & coastal flood risk
Climate Band
Tropical / Subtropical
Latitude 18.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.1/10
Coordinates
18.4305° N, 65.9038° W
Loíza County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Loiza
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Loiza
Other cities in PR
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.