Climate Risk Summary

Zip Code 23950, Risk Profile

The primary drivers of climate-related financial risk in Bracey, VA (23950) are Inland Flooding, Hurricane, and Drought.

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

$738,808

Expected Annual Loss for Zip Code 23950

36.3Score

Relatively Moderate compared to US average

23950
Minimal Estimated LossMax Estimated Loss

Hurricane

$390,087

Expected Annual Loss for Zip Code 23950

87.3Score

Relatively Moderate compared to US average

23950
Minimal Estimated LossMax Estimated Loss

Drought

$226,433

Expected Annual Loss for Zip Code 23950

97.2Score

Relatively Moderate compared to US average

23950
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
$738,808
Score: 36.3
MAJOR DRIVER
Hurricane
$390,087
Score: 87.3
MAJOR DRIVER
Drought
$226,433
Score: 97.2
Tornado
$65,852
Score: 48.0
Earthquake
$51,585
Score: 59.6
Cold Wave
$45,121
Score: 43.8
Heat Wave
$38,216
Score: 44.9
Hail
$17,476
Score: 63.8
Strong Wind
$15,377
Score: 44.1
Lightning
$15,304
Score: 54.4
Winter Weather
$8,092
Score: 73.8
Ice Storm
$6,929
Score: 55.6
Wildfire
$1,121
Score: 66.7
Landslide
$40
Score: 71.8

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: 36.3
🌀High Investment

Hurricane Mitigation

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

Risk Score: 87.3
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 97.2

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

Nearby Locations

Zip Code 23920Zip Code 23970Zip Code 23919Zip Code 23845Zip Code 23917Zip Code 23893