Climate Risk Summary

Zip Code 30228, Risk Profile

The primary drivers of climate-related financial risk in Bonanza, GA (30228) are Inland Flooding, Tornado, and Cold Wave.

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

$5,852,447

Expected Annual Loss for Zip Code 30228

40.9Score

Relatively High compared to US average

30228
Minimal Estimated LossMax Estimated Loss

Tornado

$1,946,526

Expected Annual Loss for Zip Code 30228

69.8Score

Relatively High compared to US average

30228
Minimal Estimated LossMax Estimated Loss

Cold Wave

$967,247

Expected Annual Loss for Zip Code 30228

61.3Score

Relatively Moderate compared to US average

30228
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
$5,852,447
Score: 40.9
MAJOR DRIVER
Tornado
$1,946,526
Score: 69.8
MAJOR DRIVER
Cold Wave
$967,247
Score: 61.3
Hail
$360,766
Score: 75.2
Heat Wave
$335,246
Score: 40.0
Earthquake
$254,747
Score: 41.4
Strong Wind
$240,731
Score: 54.9
Lightning
$219,862
Score: 64.9
Hurricane
$84,077
Score: 49.5
Drought
$75,386
Score: 17.7
Ice Storm
$72,237
Score: 55.6
Wildfire
$8,483
Score: 55.4
Winter Weather
$5,468
Score: 24.0
Landslide
$67
Score: 49.3

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: 40.9
🌪️High Investment

Tornado Mitigation

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

Risk Score: 69.8
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 61.3

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

Nearby Locations

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