Climate Risk Summary

Zip Code 37660, Risk Profile

The primary drivers of climate-related financial risk in Kingsport, TN (37660) are Inland Flooding, Earthquake, and Strong Wind. This area also faces an unusually high intensity for Landslide 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

$5,147,828

Expected Annual Loss for Zip Code 37660

43.6Score

Relatively High compared to US average

37660
Minimal Estimated LossMax Estimated Loss

Earthquake

$1,334,380

Expected Annual Loss for Zip Code 37660

69.5Score

Relatively Moderate compared to US average

37660
Minimal Estimated LossMax Estimated Loss

Strong Wind

$453,133

Expected Annual Loss for Zip Code 37660

78.1Score

Relatively High compared to US average

37660
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
$5,147,828
Score: 43.6
MAJOR DRIVER
Earthquake
$1,334,380
Score: 69.5
MAJOR DRIVER
Strong Wind
$453,133
Score: 78.1
Tornado
$324,127
Score: 39.5
Lightning
$252,649
Score: 77.5
Cold Wave
$242,491
Score: 37.4
Hail
$39,045
Score: 40.4
UNUSUALLY HIGH
Landslide
$32,258
Score: 89.4
Hurricane
$32,028
Score: 43.1
Winter Weather
$24,453
Score: 51.2
Heat Wave
$13,507
Score: 2.8
Ice Storm
$4,724
Score: 6.4
Wildfire
$3,051
Score: 44.0
Drought
$1,945
Score: 11.3

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: 43.6
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 69.5
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 78.1
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 89.4

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 37664Zip Code 37665Zip Code 37857Zip Code 37642Zip Code 37663Zip Code 24290