Climate Risk Summary

Zip Code 31064, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, GA (31064) are Inland Flooding, Tornado, and Strong Wind.

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

$1,456,158

Expected Annual Loss for Zip Code 31064

38.1Score

Relatively Moderate compared to US average

31064

Minimal Estimated LossMax Estimated Loss

Tornado

$329,581

Expected Annual Loss for Zip Code 31064

59.8Score

Relatively Moderate compared to US average

31064

Minimal Estimated LossMax Estimated Loss

Strong Wind

$150,560

Expected Annual Loss for Zip Code 31064

78.1Score

Relatively Moderate compared to US average

31064

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

$1,456,158

Score: 38.1

MAJOR DRIVER

Tornado

$329,581

Score: 59.8

MAJOR DRIVER

Strong Wind

$150,560

Score: 78.1

Heat Wave

$126,352

Score: 51.8

Earthquake

$93,414

Score: 45.2

Drought

$79,614

Score: 25.7

Hail

$75,899

Score: 71.9

Cold Wave

$64,459

Score: 31.7

Hurricane

$44,213

Score: 53.9

Lightning

$30,300

Score: 44.6

Ice Storm

$24,141

Score: 62.4

Wildfire

$16,381

Score: 79.0

Winter Weather

$1,441

Score: 23.5

Landslide

$215

Score: 75.3

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: 38.1

🌪️High Investment

Tornado Mitigation

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

Risk Score: 59.8

💨Low Investment

Strong Wind Mitigation

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

Risk Score: 78.1

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 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 31038 Zip Code 31085 Zip Code 30216 Zip Code 30055 Zip Code 30233 Zip Code 31046