Climate Risk Summary

Zip Code 22841, Risk Profile

The primary drivers of climate-related financial risk in Bridgewater, VA (22841) are Inland Flooding, Hurricane, and Drought. This area also faces an unusually high intensity for 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

$680,449

Expected Annual Loss for Zip Code 22841

63.7Score

Relatively Moderate compared to US average

22841

Minimal Estimated LossMax Estimated Loss

Hurricane

$174,534

Expected Annual Loss for Zip Code 22841

83.2Score

Relatively Moderate compared to US average

22841

Minimal Estimated LossMax Estimated Loss

Drought

$98,510

Expected Annual Loss for Zip Code 22841

95.8Score

Relatively Moderate compared to US average

22841

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

$680,449

Score: 63.7

MAJOR DRIVER

Hurricane

$174,534

Score: 83.2

MAJOR DRIVER

Drought

$98,510

Score: 95.8

Strong Wind

$46,888

Score: 78.5

Heat Wave

$42,254

Score: 55.3

Cold Wave

$37,898

Score: 45.2

Earthquake

$30,686

Score: 53.0

Lightning

$27,846

Score: 78.8

Tornado

$22,450

Score: 34.6

Hail

$17,029

Score: 67.6

Wildfire

$4,345

Score: 78.3

Winter Weather

$4,197

Score: 62.7

Ice Storm

$1,896

Score: 27.8

UNUSUALLY HIGH

Landslide

$92

Score: 80.6

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: 63.7

🌀High Investment

Hurricane Mitigation

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

Risk Score: 83.2

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 95.8

⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 80.6

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 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 24486 Zip Code 22801 Zip Code 24471 Zip Code 22812 Zip Code 24441 Zip Code 24467