Climate Risk Summary

Zip Code 37060, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, TN (37060) are Inland Flooding, Cold Wave, and Earthquake. This area also faces an unusually high intensity for Drought and Winter Weather 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

$322,940

Expected Annual Loss for Zip Code 37060

54.4Score

Relatively Moderate compared to US average

37060
Minimal Estimated LossMax Estimated Loss

Cold Wave

$114,679

Expected Annual Loss for Zip Code 37060

85.1Score

Relatively High compared to US average

37060
Minimal Estimated LossMax Estimated Loss

Earthquake

$102,424

Expected Annual Loss for Zip Code 37060

80.3Score

Relatively Moderate compared to US average

37060
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
$322,940
Score: 54.4
MAJOR DRIVER
Cold Wave
$114,679
Score: 85.1
MAJOR DRIVER
Earthquake
$102,424
Score: 80.3
Tornado
$81,812
Score: 69.1
UNUSUALLY HIGH
Drought
$14,199
Score: 91.8
Heat Wave
$10,658
Score: 30.3
Strong Wind
$9,830
Score: 54.1
Lightning
$7,396
Score: 57.3
UNUSUALLY HIGH
Winter Weather
$6,129
Score: 85.3
Hail
$3,070
Score: 47.3
Ice Storm
$1,908
Score: 43.2
Hurricane
$1,386
Score: 42.4
Wildfire
$795
Score: 71.0
Landslide
$3
Score: 56.5

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: 54.4
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.1
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.3
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.8
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.3

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 37153Zip Code 37046Zip Code 37034Zip Code 37180Zip Code 37014Zip Code 37128