Baldwin County has a Relatively High property risk based on FEMA National Risk Index data. 30-year NPV risk cost: $3649.3M.
| Hazard | Rating | Risk Score | Annual Loss | 30-Yr NPV |
|---|---|---|---|---|
| Hurricane | Very High | 98.8 | $159.4M | $2450.8M |
| Wildfire | Relatively Moderate | 93.3 | $1.5M | $23.1M |
| Inland Flood | Relatively High | 84.2 | $48.3M | $742.8M |
| Coastal Flood | Relatively Low | 81.0 | $4.1M | $62.3M |
| Tornado | Relatively High | 78.8 | $9.0M | $138.5M |
| Strong Wind | Relatively Moderate | 76.7 | $1.6M | $24.1M |
| Hail | Relatively Low | 58.4 | $414K | $6.4M |
| Earthquake | Relatively Low | 49.5 | $916K | $14.1M |
The 30-year NPV of $3649.3M represents the present value of expected disaster-related losses over a standard mortgage term, discounted at 5%. This is the “true price” of property risk that most home listings never disclose.
A F grade means Baldwin ranks in the top 20% (highest risk) for property risk nationally. Factor this into your offer price, insurance budget, and long-term ownership cost.
Use our free calculator to see how this risk cost changes with different property values and insurance coverage assumptions.
Get a full NPV risk report for any address in Baldwin County — flood, fire, earthquake, and crime risk in one place.
Check an Address ›Learn more: Understanding Flood Risk · Earthquake Risk by State · Hidden Costs of Crime