Climate Risk Summary

Zip Code 85927, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, AZ (85927) are Wildfire, Inland Flooding, and Lightning. This area also faces an unusually high intensity for Winter Weather 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

Wildfire

$1,964,416

Expected Annual Loss for Zip Code 85927

98.9Score

Very High compared to US average

85927 (OUTLIER)

Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,306,853

Expected Annual Loss for Zip Code 85927

89.2Score

Very High compared to US average

85927

Minimal Estimated LossMax Estimated Loss

Lightning

$196,099

Expected Annual Loss for Zip Code 85927

99.8Score

Very High compared to US average

85927 (OUTLIER)

Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Wildfire

$1,964,416

Score: 98.9

MAJOR DRIVER

Inland Flooding

$1,306,853

Score: 89.2

MAJOR DRIVER

Lightning

$196,099

Score: 99.8

Earthquake

$28,799

Score: 54.4

Cold Wave

$23,557

Score: 27.4

Heat Wave

$13,214

Score: 26.2

UNUSUALLY HIGH

Winter Weather

$12,389

Score: 86.6

Landslide

$12,262

Score: 69.9

Ice Storm

$3,966

Score: 53.2

Strong Wind

$2,720

Score: 19.8

Hail

$2,037

Score: 34.9

Tornado

$199

Score: 1.7

Hurricane

$134

Score: 23.3

Volcanic Activity

Score: 71.2

Recommended Mitigation Strategies

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

🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 98.9

💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 89.2

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.8

🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.6

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 85925 Zip Code 85938 Zip Code 85930 Zip Code 85920 Zip Code 85932 Zip Code 85940