Climate Risk Summary

Zip Code 29323, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, SC (29323) are Inland Flooding, Cold Wave, and Earthquake. This area also faces an unusually high intensity for Ice Storm 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

$2,756,498

Expected Annual Loss for Zip Code 29323

52.2Score

Relatively Moderate compared to US average

29323
Minimal Estimated LossMax Estimated Loss

Cold Wave

$1,308,797

Expected Annual Loss for Zip Code 29323

84.3Score

Very High compared to US average

29323
Minimal Estimated LossMax Estimated Loss

Earthquake

$336,543

Expected Annual Loss for Zip Code 29323

65.3Score

Relatively Low compared to US average

29323
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
$2,756,498
Score: 52.2
MAJOR DRIVER
Cold Wave
$1,308,797
Score: 84.3
MAJOR DRIVER
Earthquake
$336,543
Score: 65.3
Tornado
$324,507
Score: 50.5
UNUSUALLY HIGH
Ice Storm
$193,183
Score: 91.7
Lightning
$137,789
Score: 79.9
Drought
$114,809
Score: 77.7
Hurricane
$99,796
Score: 58.0
Hail
$97,380
Score: 68.9
Heat Wave
$86,505
Score: 28.4
Strong Wind
$85,299
Score: 47.2
Wildfire
$6,731
Score: 69.0
Winter Weather
$5,285
Score: 34.8
Landslide
$549
Score: 73.7

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: 52.2
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 84.3
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 65.3
❄️Medium Investment

Ice Storm Mitigation

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

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

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 29316Zip Code 28139Zip Code 29368Zip Code 29349Zip Code 29330Zip Code 28114