Climate Risk Summary

Zip Code 99927, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, AK (99927) are Landslide, Avalanche, and Inland Flooding. This area also faces an unusually high intensity for Winter Weather and Volcanic Activity 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

Landslide

$3,048,245

Expected Annual Loss for Zip Code 99927

100.0Score

Very High compared to US average

99927 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Avalanche

$1,826,667

Expected Annual Loss for Zip Code 99927

89.5Score

Relatively Moderate compared to US average

99927
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$186,991

Expected Annual Loss for Zip Code 99927

12.6Score

Very Low compared to US average

99927
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Landslide
$3,048,245
Score: 100.0
MAJOR DRIVER
Avalanche
$1,826,667
Score: 89.5
MAJOR DRIVER
Inland Flooding
$186,991
Score: 12.6
UNUSUALLY HIGH
Winter Weather
$25,954
Score: 96.6
Earthquake
$19,996
Score: 46.4
Ice Storm
$7,560
Score: 68.6
Cold Wave
$5,609
Score: 22.2
UNUSUALLY HIGH
Volcanic Activity
$3,202
Score: 97.8
Lightning
$1,479
Score: 12.3
Wildfire
$991
Score: 69.2
Tornado
$0
Score: 0.2

Recommended Mitigation Strategies

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

⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 100.0
🏠Low Investment

Avalanche Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.5
💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 12.6
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 96.6
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 97.8

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 99921Zip Code 99833Zip Code 99830