Climate Risk Summary

Zip Code 35214, Risk Profile

The primary drivers of climate-related financial risk in Adamsville, AL (35214) are Inland Flooding, Tornado, and Cold Wave. This area also faces an unusually high intensity for Lightning 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

Inland Flooding

$3,842,957

Expected Annual Loss for Zip Code 35214

63.7Score

Relatively High compared to US average

35214

Minimal Estimated LossMax Estimated Loss

Tornado

$1,317,761

Expected Annual Loss for Zip Code 35214

86.1Score

Relatively High compared to US average

35214

Minimal Estimated LossMax Estimated Loss

Cold Wave

$588,494

Expected Annual Loss for Zip Code 35214

76.5Score

Relatively High compared to US average

35214

Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$3,842,957

Score: 63.7

MAJOR DRIVER

Tornado

$1,317,761

Score: 86.1

MAJOR DRIVER

Cold Wave

$588,494

Score: 76.5

Earthquake

$464,175

Score: 70.6

Heat Wave

$280,810

Score: 69.6

UNUSUALLY HIGH

Lightning

$130,108

Score: 82.3

Strong Wind

$98,585

Score: 61.1

Hurricane

$25,150

Score: 48.2

Ice Storm

$15,014

Score: 40.5

Wildfire

$7,643

Score: 64.1

Winter Weather

$4,475

Score: 33.9

Hail

$2,656

Score: 16.1

Landslide

$1,864

Score: 75.6

Drought

$682

Score: 3.8

Recommended Mitigation Strategies

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

💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 63.7

🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 86.1

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 76.5

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.3

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 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 35068 Zip Code 35117 Zip Code 35005 Zip Code 35060 Zip Code 35207 Zip Code 35224