Climate Risk Summary

Berea, SC Risk Profile

The primary drivers of climate-related financial risk in Berea, SC are Inland Flooding, Tornado, and Cold Wave. This area also faces an unusually high intensity for Lightning and Ice Storm compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Berea.

Primary Risks

Inland Flooding

$1,294,677

Expected Annual Loss for Berea

35.8Score

Relatively High compared to US average

Berea
Minimal Estimated LossMax Estimated Loss

Tornado

$390,241

Expected Annual Loss for Berea

64.6Score

Relatively High compared to US average

Berea
Minimal Estimated LossMax Estimated Loss

Cold Wave

$385,086

Expected Annual Loss for Berea

72.5Score

Relatively High compared to US average

Berea
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$1,294,677
Score: 35.8
MAJOR DRIVER
Tornado
$390,241
Score: 64.6
MAJOR DRIVER
Cold Wave
$385,086
Score: 72.5
Earthquake
$236,960
Score: 68.5
UNUSUALLY HIGH
Lightning
$105,426
Score: 82.6
UNUSUALLY HIGH
Ice Storm
$95,530
Score: 89.1
Heat Wave
$61,831
Score: 30.6
Hurricane
$51,818
Score: 56.4
Strong Wind
$46,129
Score: 47.8
Hail
$38,824
Score: 60.9
Winter Weather
$2,088
Score: 28.1
Wildfire
$416
Score: 38.3
Landslide
$44
Score: 38.4

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

🌪️High Investment

Tornado Mitigation

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

Risk Score: 64.6
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.5
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 68.5
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.6
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 89.1
🌀High Investment

Hurricane Mitigation

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

Risk Score: 56.4
🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 60.9

Sources and Methodology

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 Cities

City ViewGreenvilleJudsonParkerPowdersville

Zip Codes in Berea

2961129617