Climate Risk Summary

Zip Code 72079, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, AR (72079) are Inland Flooding, Earthquake, and Tornado. This area also faces an unusually high intensity for Drought 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

$644,680

Expected Annual Loss for Zip Code 72079

29.9Score

Very High compared to US average

72079
Minimal Estimated LossMax Estimated Loss

Earthquake

$211,564

Expected Annual Loss for Zip Code 72079

72.6Score

Relatively High compared to US average

72079
Minimal Estimated LossMax Estimated Loss

Tornado

$155,441

Expected Annual Loss for Zip Code 72079

64.8Score

Relatively High compared to US average

72079
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
$644,680
Score: 29.9
MAJOR DRIVER
Earthquake
$211,564
Score: 72.6
MAJOR DRIVER
Tornado
$155,441
Score: 64.8
Heat Wave
$70,553
Score: 67.2
Strong Wind
$61,358
Score: 79.9
UNUSUALLY HIGH
Drought
$47,919
Score: 88.1
Ice Storm
$32,827
Score: 79.0
Hail
$32,303
Score: 55.8
Lightning
$19,474
Score: 63.8
Hurricane
$15,561
Score: 48.3
Cold Wave
$14,694
Score: 27.0
Winter Weather
$2,722
Score: 40.7
Wildfire
$369
Score: 48.6
Landslide
$79
Score: 46.9

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: 29.9
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.6
🌪️High Investment

Tornado Mitigation

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

Risk Score: 64.8
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.1

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 72132Zip Code 72150Zip Code 71602Zip Code 72168Zip Code 72182Zip Code 72046