Climate Risk Summary

Zip Code 49682, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, MI (49682) are Cold Wave, Inland Flooding, and Winter Weather. This area also faces an unusually high intensity for 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

Cold Wave

$2,231,644

Expected Annual Loss for Zip Code 49682

99.2Score

Very High compared to US average

49682 (OUTLIER)

Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,014,510

Expected Annual Loss for Zip Code 49682

43.9Score

Relatively Moderate compared to US average

49682

Minimal Estimated LossMax Estimated Loss

Winter Weather

$99,835

Expected Annual Loss for Zip Code 49682

98.5Score

Very High compared to US average

49682

Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Cold Wave

$2,231,644

Score: 99.2

MAJOR DRIVER

Inland Flooding

$1,014,510

Score: 43.9

MAJOR DRIVER

Winter Weather

$99,835

Score: 98.5

Strong Wind

$53,619

Score: 64.9

Tornado

$48,893

Score: 34.9

Hail

$42,314

Score: 71.1

Lightning

$27,007

Score: 57.1

Heat Wave

$11,387

Score: 7.5

UNUSUALLY HIGH

Landslide

$2,238

Score: 92.7

Coastal Flooding

$1,354

Score: 77.3

Wildfire

$768

Score: 56.5

Hurricane

$588

Score: 26.7

Earthquake

$578

Score: 2.0

Ice Storm

$555

Score: 3.3

Recommended Mitigation Strategies

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

🏠Low Investment

Cold Wave 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: 43.9

🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.5

⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 92.7

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

Nearby Locations

Zip Code 49653 Zip Code 49674 Zip Code 49684 Zip Code 49670 Zip Code 49654 Zip Code 49621