Climate Risk Summary

Zip Code 38868, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, MS (38868) are Cold Wave, Inland Flooding, and Earthquake. This area also faces an unusually high intensity for Heat Wave, Lightning, and Drought 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

$458,836

Expected Annual Loss for Zip Code 38868

91.9Score

Very High compared to US average

38868
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$446,430

Expected Annual Loss for Zip Code 38868

23.8Score

Relatively Low compared to US average

38868
Minimal Estimated LossMax Estimated Loss

Earthquake

$436,555

Expected Annual Loss for Zip Code 38868

80.3Score

Relatively Moderate compared to US average

38868
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
$458,836
Score: 91.9
MAJOR DRIVER
Inland Flooding
$446,430
Score: 23.8
MAJOR DRIVER
Earthquake
$436,555
Score: 80.3
Tornado
$312,553
Score: 78.4
UNUSUALLY HIGH
Heat Wave
$140,774
Score: 81.1
UNUSUALLY HIGH
Lightning
$53,502
Score: 88.1
UNUSUALLY HIGH
Drought
$48,225
Score: 92.8
Strong Wind
$42,198
Score: 69.3
Hurricane
$33,338
Score: 58.2
Hail
$23,562
Score: 67.5
Ice Storm
$11,947
Score: 62.4
Winter Weather
$1,772
Score: 36.9
Wildfire
$1,212
Score: 65.7
Landslide
$88
Score: 76.9

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: 91.9
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 23.8
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.3
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 81.1
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.1
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.8

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 38801Zip Code 38860Zip Code 38879Zip Code 38858Zip Code 38863Zip Code 38862