Climate Risk Summary

Broad Creek, NC Risk Profile

The primary drivers of climate-related financial risk in Broad Creek, NC are Hurricane, Inland Flooding, and Coastal Flooding. This area also faces an unusually high intensity for Winter Weather and Wildfire compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Broad Creek.

Primary Risks

Hurricane

$2,511,658

Expected Annual Loss for Broad Creek

98.8Score

Very High compared to US average

Broad Creek
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$119,810

Expected Annual Loss for Broad Creek

3.5Score

Very Low compared to US average

Broad Creek
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$44,053

Expected Annual Loss for Broad Creek

92.7Score

Relatively Moderate compared to US average

Broad Creek
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$2,511,658
Score: 98.8
MAJOR DRIVER
Inland Flooding
$119,810
Score: 3.5
MAJOR DRIVER
Coastal Flooding
$44,053
Score: 92.7
Heat Wave
$15,494
Score: 24.3
Lightning
$11,844
Score: 53.6
Tornado
$11,643
Score: 25.9
UNUSUALLY HIGH
Winter Weather
$11,250
Score: 85.7
UNUSUALLY HIGH
Wildfire
$9,551
Score: 84.2
Cold Wave
$9,429
Score: 24.4
Strong Wind
$6,569
Score: 29.2
Earthquake
$2,527
Score: 12.1
Hail
$1,130
Score: 24.2
Ice Storm
$477
Score: 5.9
Drought
$0
Score: 67.4
Landslide
$0
Score: 21.2

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

🌀High Investment

Hurricane Mitigation

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

Risk Score: 98.8
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.7
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 53.6
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.7
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 84.2
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 67.4

Sources and Methodology

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 Cities

Brandywine BayCape CarteretEmerald IsleHavelockMorehead City

Zip Codes in Broad Creek

28570