Climate Risk Summary

Zip Code 29306, Risk Profile

The primary drivers of climate-related financial risk in Spartanburg, SC (29306) are Inland Flooding, Cold Wave, and Tornado. 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

$1,716,975

Expected Annual Loss for Zip Code 29306

29.2Score

Relatively Moderate compared to US average

29306
Minimal Estimated LossMax Estimated Loss

Cold Wave

$357,045

Expected Annual Loss for Zip Code 29306

59.3Score

Relatively Moderate compared to US average

29306
Minimal Estimated LossMax Estimated Loss

Tornado

$263,201

Expected Annual Loss for Zip Code 29306

47.4Score

Relatively Moderate compared to US average

29306
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
$1,716,975
Score: 29.2
MAJOR DRIVER
Cold Wave
$357,045
Score: 59.3
MAJOR DRIVER
Tornado
$263,201
Score: 47.4
Earthquake
$262,586
Score: 60.9
UNUSUALLY HIGH
Ice Storm
$139,324
Score: 87.3
Lightning
$101,361
Score: 68.3
Hurricane
$80,174
Score: 55.6
Heat Wave
$68,275
Score: 21.3
Strong Wind
$52,696
Score: 39.2
Hail
$41,950
Score: 53.5
Winter Weather
$3,862
Score: 29.7
Wildfire
$756
Score: 42.3
Landslide
$76
Score: 51.7

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: 29.2
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 59.3
🌪️High Investment

Tornado Mitigation

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

Risk Score: 47.4
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 87.3

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 29376Zip Code 29302Zip Code 29369Zip Code 29301Zip Code 29374Zip Code 29303