Climate Risk Summary

Zip Code 02322, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, MA (02322) are Inland Flooding, Hurricane, and Earthquake.

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

$580,302

Expected Annual Loss for Zip Code 02322

51.9Score

Relatively Moderate compared to US average

02322
Minimal Estimated LossMax Estimated Loss

Hurricane

$176,743

Expected Annual Loss for Zip Code 02322

82.8Score

Relatively Moderate compared to US average

02322
Minimal Estimated LossMax Estimated Loss

Earthquake

$119,476

Expected Annual Loss for Zip Code 02322

76.1Score

Relatively Low compared to US average

02322
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
$580,302
Score: 51.9
MAJOR DRIVER
Hurricane
$176,743
Score: 82.8
MAJOR DRIVER
Earthquake
$119,476
Score: 76.1
Heat Wave
$27,102
Score: 39.7
Tornado
$24,973
Score: 34.9
Cold Wave
$22,473
Score: 33.6
Strong Wind
$9,200
Score: 35.5
Lightning
$8,459
Score: 42.1
Ice Storm
$6,011
Score: 57.3
Winter Weather
$820
Score: 30.0
Hail
$340
Score: 10.1
Wildfire
$174
Score: 47.0
Landslide
$43
Score: 75.2

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: 51.9
🌀High Investment

Hurricane Mitigation

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

Risk Score: 82.8
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 76.1

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

Nearby Locations

Zip Code 02368Zip Code 02301Zip Code 02072Zip Code 02343Zip Code 02302Zip Code 02021