Climate Risk Summary

Zip Code 70657, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, LA (70657) are Inland Flooding, Hurricane, and Drought. This area also faces an unusually high intensity for Lightning, Wildfire, and Ice Storm 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

Inland Flooding

$681,027

Expected Annual Loss for Zip Code 70657

74.3Score

Relatively Moderate compared to US average

70657
Minimal Estimated LossMax Estimated Loss

Hurricane

$220,819

Expected Annual Loss for Zip Code 70657

86.6Score

Relatively Moderate compared to US average

70657
Minimal Estimated LossMax Estimated Loss

Drought

$204,088

Expected Annual Loss for Zip Code 70657

94.4Score

Relatively High compared to US average

70657
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
$681,027
Score: 74.3
MAJOR DRIVER
Hurricane
$220,819
Score: 86.6
MAJOR DRIVER
Drought
$204,088
Score: 94.4
UNUSUALLY HIGH
Lightning
$103,484
Score: 99.2
Cold Wave
$98,473
Score: 74.8
UNUSUALLY HIGH
Wildfire
$95,380
Score: 95.4
Tornado
$87,730
Score: 63.0
Heat Wave
$53,744
Score: 71.2
UNUSUALLY HIGH
Ice Storm
$43,871
Score: 94.6
Strong Wind
$20,376
Score: 63.1
Hail
$14,723
Score: 69.3
Earthquake
$5,426
Score: 23.6
Winter Weather
$3,316
Score: 64.1
Coastal Flooding
$368
Score: 52.6
Landslide
$2
Score: 46.8

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: 74.3
🌀High Investment

Hurricane Mitigation

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

Risk Score: 86.6
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 94.4
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.2
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 95.4
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 94.6

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 70658Zip Code 70652Zip Code 70611Zip Code 70647Zip Code 70633Zip Code 70648