Climate Risk Summary

Zip Code 48022, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, MI (48022) are Inland Flooding, Cold Wave, and Tornado.

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

$349,212

Expected Annual Loss for Zip Code 48022

26.3Score

Relatively Low compared to US average

48022
Minimal Estimated LossMax Estimated Loss

Cold Wave

$160,223

Expected Annual Loss for Zip Code 48022

79.0Score

Relatively High compared to US average

48022
Minimal Estimated LossMax Estimated Loss

Tornado

$127,732

Expected Annual Loss for Zip Code 48022

64.5Score

Relatively Moderate compared to US average

48022
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
$349,212
Score: 26.3
MAJOR DRIVER
Cold Wave
$160,223
Score: 79.0
MAJOR DRIVER
Tornado
$127,732
Score: 64.5
Strong Wind
$35,116
Score: 71.3
Heat Wave
$11,485
Score: 16.2
Ice Storm
$7,999
Score: 64.6
Hail
$6,056
Score: 47.8
Lightning
$2,856
Score: 18.1
Earthquake
$2,582
Score: 11.8
Winter Weather
$1,208
Score: 35.5
Hurricane
$803
Score: 33.0
Wildfire
$285
Score: 53.0
Landslide
$3
Score: 48.8

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: 26.3
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 79.0
🌪️High Investment

Tornado Mitigation

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

Risk Score: 64.5

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 48041Zip Code 48097Zip Code 48014Zip Code 48006Zip Code 48002Zip Code 48027