Climate Risk Summary

Zip Code 97439, Risk Profile

The primary drivers of climate-related financial risk in Florence, OR (97439) are Earthquake, Inland Flooding, and Coastal Flooding.

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

Earthquake

$7,927,860

Expected Annual Loss for Zip Code 97439

96.5Score

Very High compared to US average

97439
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$3,651,391

Expected Annual Loss for Zip Code 97439

79.0Score

Relatively High compared to US average

97439
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$267,160

Expected Annual Loss for Zip Code 97439

91.7Score

Relatively Moderate compared to US average

97439
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$7,927,860
Score: 96.5
MAJOR DRIVER
Inland Flooding
$3,651,391
Score: 79.0
MAJOR DRIVER
Coastal Flooding
$267,160
Score: 91.7
Tsunami
$235,377
Score: 66.1
Lightning
$39,150
Score: 52.6
Cold Wave
$26,628
Score: 23.3
Heat Wave
$25,055
Score: 8.9
Strong Wind
$21,622
Score: 28.4
Landslide
$6,370
Score: 51.5
Wildfire
$5,561
Score: 59.5
Winter Weather
$4,988
Score: 37.9
Tornado
$4,756
Score: 3.9
Ice Storm
$1,219
Score: 4.0
Hail
$1,004
Score: 8.9
Drought
$0
Score: 47.1

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 96.5
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 79.0
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.7

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

Nearby Locations

Zip Code 97453Zip Code 97493Zip Code 97498Zip Code 97480Zip Code 97390Zip Code 97467