Climate Risk Summary

Zip Code 31503, Risk Profile

The primary drivers of climate-related financial risk in Deenwood, GA (31503) are Hurricane, Inland Flooding, and Tornado. This area also faces an unusually high intensity for Lightning, Wildfire, and 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

Hurricane

$2,499,216

Expected Annual Loss for Zip Code 31503

92.3Score

Relatively High compared to US average

31503

Minimal Estimated LossMax Estimated Loss

Inland Flooding

$2,475,912

Expected Annual Loss for Zip Code 31503

59.6Score

Relatively Moderate compared to US average

31503

Minimal Estimated LossMax Estimated Loss

Tornado

$783,882

Expected Annual Loss for Zip Code 31503

78.1Score

Relatively High compared to US average

31503

Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Hurricane

$2,499,216

Score: 92.3

MAJOR DRIVER

Inland Flooding

$2,475,912

Score: 59.6

MAJOR DRIVER

Tornado

$783,882

Score: 78.1

Earthquake

$281,460

Score: 68.7

Heat Wave

$235,074

Score: 68.2

UNUSUALLY HIGH

Lightning

$163,093

Score: 89.3

UNUSUALLY HIGH

Wildfire

$148,307

Score: 89.6

Cold Wave

$144,856

Score: 40.0

Strong Wind

$130,846

Score: 71.9

UNUSUALLY HIGH

Drought

$54,544

Score: 85.0

Hail

$18,927

Score: 44.4

Winter Weather

$6,987

Score: 45.1

Ice Storm

$1,385

Score: 5.0

Landslide

$59

Score: 55.7

Recommended Mitigation Strategies

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

🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 92.3

💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 59.6

🌪️High Investment

Tornado Mitigation

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

Risk Score: 78.1

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.3

🔥Low Investment

Wildfire Mitigation

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

Risk Score: 89.6

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.0

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 31501 Zip Code 31516 Zip Code 31564 Zip Code 31552 Zip Code 31550 Zip Code 31537