Climate Risk Summary

Zip Code 28584, Risk Profile

The primary drivers of climate-related financial risk in Cape Carteret, NC (28584) are Hurricane, Inland Flooding, and Coastal Flooding. This area also faces an unusually high intensity for Lightning, Winter Weather, Wildfire, and Ice Storm 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

Hurricane

$16,847,380

Expected Annual Loss for Zip Code 28584

99.9Score

Very High compared to US average

28584 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,805,650

Expected Annual Loss for Zip Code 28584

66.1Score

Relatively Moderate compared to US average

28584
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$367,045

Expected Annual Loss for Zip Code 28584

95.5Score

Relatively High compared to US average

28584
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$16,847,380
Score: 99.9
MAJOR DRIVER
Inland Flooding
$1,805,650
Score: 66.1
MAJOR DRIVER
Coastal Flooding
$367,045
Score: 95.5
Tornado
$359,299
Score: 69.5
Heat Wave
$176,431
Score: 71.8
UNUSUALLY HIGH
Lightning
$119,839
Score: 92.0
UNUSUALLY HIGH
Winter Weather
$111,689
Score: 98.0
Strong Wind
$110,850
Score: 78.2
UNUSUALLY HIGH
Wildfire
$110,025
Score: 91.1
Cold Wave
$104,757
Score: 48.5
UNUSUALLY HIGH
Ice Storm
$41,531
Score: 81.7
Earthquake
$36,054
Score: 36.8
Hail
$17,642
Score: 52.0
Drought
$689
Score: 73.9
Landslide
$100
Score: 70.8

Recommended Mitigation Strategies

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: 99.9
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 66.1
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 95.5
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.0
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.0
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 91.1
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 81.7

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

Nearby Locations

Zip Code 28582Zip Code 28570Zip Code 28547Zip Code 28594Zip Code 28539Zip Code 28555