Climate Risk Summary

Zip Code 27889, Risk Profile

The primary drivers of climate-related financial risk in River Road, NC (27889) are Hurricane, Inland Flooding, and Tornado. This area also faces an unusually high intensity for Coastal Flooding, Strong Wind, Winter Weather, Lightning, 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

Hurricane

$18,743,256

Expected Annual Loss for Zip Code 27889

98.8Score

Very High compared to US average

27889 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$3,244,180

Expected Annual Loss for Zip Code 27889

55.7Score

Relatively High compared to US average

27889
Minimal Estimated LossMax Estimated Loss

Tornado

$1,272,148

Expected Annual Loss for Zip Code 27889

81.2Score

Relatively High compared to US average

27889
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$18,743,256
Score: 98.8
MAJOR DRIVER
Inland Flooding
$3,244,180
Score: 55.7
MAJOR DRIVER
Tornado
$1,272,148
Score: 81.2
Heat Wave
$376,657
Score: 71.9
UNUSUALLY HIGH
Coastal Flooding
$364,294
Score: 90.5
UNUSUALLY HIGH
Strong Wind
$314,963
Score: 83.1
UNUSUALLY HIGH
Winter Weather
$245,611
Score: 98.1
Cold Wave
$208,692
Score: 46.3
UNUSUALLY HIGH
Lightning
$208,009
Score: 87.3
Earthquake
$108,731
Score: 41.6
Hail
$63,599
Score: 61.0
UNUSUALLY HIGH
Drought
$47,777
Score: 84.5
Ice Storm
$43,977
Score: 65.9
Wildfire
$19,463
Score: 69.5
Landslide
$25
Score: 45.5

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: 98.8
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 55.7
🌪️High Investment

Tornado Mitigation

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

Risk Score: 81.2
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.5
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 83.1
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.1
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 87.3
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 84.5

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

Nearby Locations

Zip Code 27865Zip Code 27817Zip Code 27846Zip Code 27837Zip Code 27814Zip Code 27892