Climate Risk Summary

Zip Code 50167, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, IA (50167) are Drought, Inland Flooding, and Tornado. This area also faces an unusually high intensity for Strong Wind, Hail, Winter Weather, and Landslide 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

$450,702

Expected Annual Loss for Zip Code 50167

99.2Score

Relatively High compared to US average

50167
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$350,581

Expected Annual Loss for Zip Code 50167

52.2Score

Relatively Moderate compared to US average

50167
Minimal Estimated LossMax Estimated Loss

Tornado

$214,060

Expected Annual Loss for Zip Code 50167

89.9Score

Relatively High compared to US average

50167
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Drought
$450,702
Score: 99.2
MAJOR DRIVER
Inland Flooding
$350,581
Score: 52.2
MAJOR DRIVER
Tornado
$214,060
Score: 89.9
Cold Wave
$81,262
Score: 75.5
UNUSUALLY HIGH
Strong Wind
$44,876
Score: 87.2
UNUSUALLY HIGH
Hail
$43,531
Score: 88.0
Heat Wave
$41,920
Score: 70.7
Lightning
$9,054
Score: 59.9
Ice Storm
$8,861
Score: 79.2
UNUSUALLY HIGH
Winter Weather
$5,397
Score: 80.5
Earthquake
$3,300
Score: 19.8
Wildfire
$509
Score: 65.8
Hurricane
$293
Score: 29.6
UNUSUALLY HIGH
Landslide
$146
Score: 86.4

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: 99.2
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 52.2
🌪️High Investment

Tornado Mitigation

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

Risk Score: 89.9
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 87.2
🧊Medium Investment

Hail Mitigation

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

Risk Score: 88.0
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.5
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 86.4

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 50003Zip Code 50220Zip Code 50063Zip Code 50039Zip Code 50276Zip Code 50233