Climate Risk Summary

Zip Code 36744, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, AL (36744) are Inland Flooding, Tornado, and Lightning. This area also faces an unusually high intensity for Strong Wind 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

$1,217,024

Expected Annual Loss for Zip Code 36744

45.4Score

Relatively Moderate compared to US average

36744
Minimal Estimated LossMax Estimated Loss

Tornado

$685,047

Expected Annual Loss for Zip Code 36744

83.6Score

Very High compared to US average

36744
Minimal Estimated LossMax Estimated Loss

Lightning

$479,471

Expected Annual Loss for Zip Code 36744

99.5Score

Very High compared to US average

36744 (OUTLIER)
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
$1,217,024
Score: 45.4
MAJOR DRIVER
Tornado
$685,047
Score: 83.6
MAJOR DRIVER
Lightning
$479,471
Score: 99.5
Earthquake
$228,108
Score: 71.1
Hurricane
$180,140
Score: 71.6
UNUSUALLY HIGH
Strong Wind
$169,853
Score: 85.1
Heat Wave
$165,902
Score: 69.6
Cold Wave
$141,551
Score: 55.2
Hail
$36,312
Score: 64.1
Drought
$20,519
Score: 61.4
Ice Storm
$8,231
Score: 42.5
Wildfire
$3,769
Score: 66.9
Winter Weather
$1,200
Score: 25.6
Landslide
$229
Score: 63.5

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: 45.4
🌪️High Investment

Tornado Mitigation

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

Risk Score: 83.6
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.5
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 85.1

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 36765Zip Code 36776Zip Code 35441Zip Code 35474Zip Code 36756Zip Code 36742