Climate Risk Summary

Zip Code 28690, Risk Profile

The primary drivers of climate-related financial risk in Drexel, NC (28690) are Inland Flooding, Tornado, and Earthquake. This area also faces an unusually high intensity for Ice Storm and Lightning 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

$1,210,054

Expected Annual Loss for Zip Code 28690

42.9Score

Relatively Moderate compared to US average

28690

Minimal Estimated LossMax Estimated Loss

Tornado

$285,332

Expected Annual Loss for Zip Code 28690

62.6Score

Relatively Moderate compared to US average

28690

Minimal Estimated LossMax Estimated Loss

Earthquake

$99,561

Expected Annual Loss for Zip Code 28690

53.8Score

Relatively Low compared to US average

28690

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

$1,210,054

Score: 42.9

MAJOR DRIVER

Tornado

$285,332

Score: 62.6

MAJOR DRIVER

Earthquake

$99,561

Score: 53.8

UNUSUALLY HIGH

Ice Storm

$93,285

Score: 91.6

Cold Wave

$88,853

Score: 42.8

UNUSUALLY HIGH

Lightning

$85,835

Score: 85.3

Heat Wave

$62,467

Score: 37.5

Strong Wind

$45,968

Score: 54.1

Hurricane

$37,566

Score: 55.3

Hail

$21,222

Score: 54.4

Winter Weather

$3,212

Score: 37.1

Wildfire

$2,186

Score: 55.6

Drought

$1,151

Score: 24.7

Landslide

$663

Score: 75.1

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: 42.9

🌪️High Investment

Tornado Mitigation

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

Risk Score: 62.6

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 53.8

❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 91.6

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.3

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 28655 Zip Code 28612 Zip Code 28619 Zip Code 28671 Zip Code 28645 Zip Code 28630