Climate Risk Summary

Zip Code 39355, Risk Profile

The primary drivers of climate-related financial risk in Quitman, MS (39355) are Inland Flooding, Tornado, and Cold Wave. This area also faces an unusually high intensity for Hurricane, Lightning, Strong Wind, and 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

Inland Flooding

$1,485,267

Expected Annual Loss for Zip Code 39355

68.9Score

Relatively High compared to US average

39355
Minimal Estimated LossMax Estimated Loss

Tornado

$696,881

Expected Annual Loss for Zip Code 39355

92.8Score

Very High compared to US average

39355
Minimal Estimated LossMax Estimated Loss

Cold Wave

$443,643

Expected Annual Loss for Zip Code 39355

89.4Score

Relatively High compared to US average

39355
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
$1,485,267
Score: 68.9
MAJOR DRIVER
Tornado
$696,881
Score: 92.8
MAJOR DRIVER
Cold Wave
$443,643
Score: 89.4
UNUSUALLY HIGH
Hurricane
$417,194
Score: 85.7
UNUSUALLY HIGH
Lightning
$210,708
Score: 99.1
Heat Wave
$132,835
Score: 76.2
UNUSUALLY HIGH
Strong Wind
$132,335
Score: 88.0
Earthquake
$108,034
Score: 63.2
Hail
$65,167
Score: 79.5
Drought
$37,943
Score: 39.9
Ice Storm
$13,646
Score: 65.5
Winter Weather
$8,885
Score: 70.7
Wildfire
$3,966
Score: 71.1
UNUSUALLY HIGH
Landslide
$678
Score: 80.5

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: 68.9
🌪️High Investment

Tornado Mitigation

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

Risk Score: 92.8
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.4
🌀High Investment

Hurricane Mitigation

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

Risk Score: 85.7
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.1
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 88.0
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 80.5

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 39360Zip Code 39301Zip Code 39363Zip Code 39367Zip Code 36904Zip Code 36913