Climate Risk Summary

Zip Code 23824, Risk Profile

The primary drivers of climate-related financial risk in Blackstone, VA (23824) are Drought, Hurricane, and Inland Flooding. This area also faces an unusually high intensity for Strong Wind 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

Drought

$1,325,321

Expected Annual Loss for Zip Code 23824

98.8Score

Relatively High compared to US average

23824
Minimal Estimated LossMax Estimated Loss

Hurricane

$625,151

Expected Annual Loss for Zip Code 23824

87.4Score

Relatively Moderate compared to US average

23824
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$518,118

Expected Annual Loss for Zip Code 23824

21.8Score

Relatively Low compared to US average

23824
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Drought
$1,325,321
Score: 98.8
MAJOR DRIVER
Hurricane
$625,151
Score: 87.4
MAJOR DRIVER
Inland Flooding
$518,118
Score: 21.8
Earthquake
$157,991
Score: 70.5
UNUSUALLY HIGH
Strong Wind
$141,339
Score: 88.4
Tornado
$118,111
Score: 51.2
Cold Wave
$78,607
Score: 49.7
Heat Wave
$50,916
Score: 44.5
Lightning
$43,386
Score: 77.2
Hail
$22,028
Score: 60.1
Ice Storm
$12,501
Score: 58.1
Winter Weather
$8,778
Score: 68.2
Wildfire
$922
Score: 60.2
Landslide
$22
Score: 59.4

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.8
🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 87.4
💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 21.8
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 88.4

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 23930Zip Code 23894Zip Code 23872Zip Code 23955Zip Code 23876Zip Code 23944