Climate Risk Summary

Zip Code 27340, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, NC (27340) are Inland Flooding, Tornado, and Hurricane. This area also faces an unusually high intensity for Winter Weather 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

$4,742,361

Expected Annual Loss for Zip Code 27340

49.7Score

Relatively High compared to US average

27340
Minimal Estimated LossMax Estimated Loss

Tornado

$984,686

Expected Annual Loss for Zip Code 27340

62.8Score

Relatively Moderate compared to US average

27340
Minimal Estimated LossMax Estimated Loss

Hurricane

$569,108

Expected Annual Loss for Zip Code 27340

72.6Score

Relatively Moderate compared to US average

27340
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
$4,742,361
Score: 49.7
MAJOR DRIVER
Tornado
$984,686
Score: 62.8
MAJOR DRIVER
Hurricane
$569,108
Score: 72.6
Heat Wave
$320,642
Score: 48.0
Earthquake
$228,765
Score: 47.6
Cold Wave
$205,677
Score: 35.7
Lightning
$202,685
Score: 73.4
Strong Wind
$192,880
Score: 56.1
Hail
$181,322
Score: 70.1
Ice Storm
$115,040
Score: 74.7
Drought
$89,698
Score: 74.3
UNUSUALLY HIGH
Winter Weather
$81,869
Score: 81.0
Wildfire
$3,563
Score: 51.5
Landslide
$113
Score: 50.9

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: 49.7
🌪️High Investment

Tornado Mitigation

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

Risk Score: 62.8
🌀High Investment

Hurricane Mitigation

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

Risk Score: 72.6
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 81.0

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 27253Zip Code 27258Zip Code 27302Zip Code 27349Zip Code 27516Zip Code 27243