Climate Risk Summary

Zip Code 37803, Risk Profile

The primary drivers of climate-related financial risk in Maryville, TN (37803) are Inland Flooding, Earthquake, and Cold Wave. This area also faces an unusually high intensity for Lightning and 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

$3,884,100

Expected Annual Loss for Zip Code 37803

53.0Score

Relatively Moderate compared to US average

37803
Minimal Estimated LossMax Estimated Loss

Earthquake

$2,370,689

Expected Annual Loss for Zip Code 37803

83.1Score

Relatively Moderate compared to US average

37803
Minimal Estimated LossMax Estimated Loss

Cold Wave

$682,105

Expected Annual Loss for Zip Code 37803

70.4Score

Relatively High compared to US average

37803
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
$3,884,100
Score: 53.0
MAJOR DRIVER
Earthquake
$2,370,689
Score: 83.1
MAJOR DRIVER
Cold Wave
$682,105
Score: 70.4
Tornado
$595,909
Score: 59.2
UNUSUALLY HIGH
Lightning
$322,895
Score: 91.2
Strong Wind
$227,454
Score: 72.1
Heat Wave
$72,074
Score: 18.1
Ice Storm
$69,180
Score: 70.5
UNUSUALLY HIGH
Landslide
$59,557
Score: 86.4
Hail
$46,414
Score: 52.0
Wildfire
$36,026
Score: 61.1
Winter Weather
$34,522
Score: 69.4
Hurricane
$33,203
Score: 47.9
Drought
$8,791
Score: 67.8

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: 53.0
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 83.1
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 70.4
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.2
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 86.4

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 37878Zip Code 37801Zip Code 37882Zip Code 37886Zip Code 37804Zip Code 37737