Climate Risk Summary

Zip Code 37830, Risk Profile

The primary drivers of climate-related financial risk in Oak Ridge, TN (37830) 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

$5,670,218

Expected Annual Loss for Zip Code 37830

51.3Score

Relatively High compared to US average

37830
Minimal Estimated LossMax Estimated Loss

Earthquake

$1,819,856

Expected Annual Loss for Zip Code 37830

78.6Score

Relatively Moderate compared to US average

37830
Minimal Estimated LossMax Estimated Loss

Cold Wave

$1,467,200

Expected Annual Loss for Zip Code 37830

80.7Score

Relatively High compared to US average

37830
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
$5,670,218
Score: 51.3
MAJOR DRIVER
Earthquake
$1,819,856
Score: 78.6
MAJOR DRIVER
Cold Wave
$1,467,200
Score: 80.7
Tornado
$1,402,231
Score: 71.2
Strong Wind
$393,555
Score: 78.3
UNUSUALLY HIGH
Lightning
$245,794
Score: 80.9
Hail
$146,048
Score: 63.7
Ice Storm
$79,216
Score: 65.9
Winter Weather
$64,832
Score: 75.8
Heat Wave
$56,500
Score: 9.7
Hurricane
$25,069
Score: 42.7
UNUSUALLY HIGH
Landslide
$6,040
Score: 86.3
Wildfire
$4,272
Score: 40.8

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: 51.3
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 78.6
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.7
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 80.9
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 86.3

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 37932Zip Code 37840Zip Code 37716Zip Code 37771Zip Code 37931Zip Code 37748