Climate Risk Summary

Zip Code 31787, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, GA (31787) are Drought, Inland Flooding, and Cold Wave. This area also faces an unusually high intensity for Hurricane, Hail, and Wildfire 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

Drought

$186,584

Expected Annual Loss for Zip Code 31787

98.6Score

Relatively High compared to US average

31787
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$128,067

Expected Annual Loss for Zip Code 31787

20.8Score

Relatively Low compared to US average

31787
Minimal Estimated LossMax Estimated Loss

Cold Wave

$91,848

Expected Annual Loss for Zip Code 31787

85.1Score

Relatively High compared to US average

31787
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Drought
$186,584
Score: 98.6
MAJOR DRIVER
Inland Flooding
$128,067
Score: 20.8
MAJOR DRIVER
Cold Wave
$91,848
Score: 85.1
Tornado
$86,153
Score: 75.9
UNUSUALLY HIGH
Hurricane
$78,184
Score: 83.1
UNUSUALLY HIGH
Hail
$43,547
Score: 91.4
Lightning
$10,959
Score: 77.1
Earthquake
$10,176
Score: 45.8
Strong Wind
$9,145
Score: 58.3
Heat Wave
$8,114
Score: 28.7
UNUSUALLY HIGH
Wildfire
$2,859
Score: 81.6
Ice Storm
$394
Score: 12.3
Winter Weather
$331
Score: 29.3
Landslide
$1
Score: 49.0

Recommended Mitigation Strategies

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

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.6
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 20.8
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.1
🌀High Investment

Hurricane Mitigation

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

Risk Score: 83.1
🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 91.4
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 81.6

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

Nearby Locations

Zip Code 31709Zip Code 31763Zip Code 31719Zip Code 39826Zip Code 31764Zip Code 39842