Climate Risk Summary

Zip Code 27235, Risk Profile

The primary drivers of climate-related financial risk in Greensboro, NC (27235) are Inland Flooding, Hurricane, and Tornado. This area also faces an unusually high intensity for Ice Storm 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

Inland Flooding

$1,815,893

Expected Annual Loss for Zip Code 27235

92.9Score

Relatively High compared to US average

27235
Minimal Estimated LossMax Estimated Loss

Hurricane

$103,230

Expected Annual Loss for Zip Code 27235

77.2Score

Relatively Moderate compared to US average

27235
Minimal Estimated LossMax Estimated Loss

Tornado

$82,514

Expected Annual Loss for Zip Code 27235

55.4Score

Relatively Moderate compared to US average

27235
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
$1,815,893
Score: 92.9
MAJOR DRIVER
Hurricane
$103,230
Score: 77.2
MAJOR DRIVER
Tornado
$82,514
Score: 55.4
Cold Wave
$63,801
Score: 56.0
Earthquake
$40,504
Score: 52.2
UNUSUALLY HIGH
Ice Storm
$30,061
Score: 88.5
Hail
$25,319
Score: 72.6
Heat Wave
$24,498
Score: 35.3
Lightning
$18,040
Score: 64.7
Strong Wind
$12,217
Score: 41.2
Winter Weather
$8,583
Score: 78.7
UNUSUALLY HIGH
Drought
$6,475
Score: 86.2
Wildfire
$643
Score: 62.1
Landslide
$128
Score: 79.0

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: 92.9
🌀High Investment

Hurricane Mitigation

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

Risk Score: 77.2
🌪️High Investment

Tornado Mitigation

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

Risk Score: 55.4
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 88.5
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.2

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 27409Zip Code 27265Zip Code 27284Zip Code 27310Zip Code 27410Zip Code 27282