Climate Risk Summary

Chincoteague, VA Risk Profile

The primary drivers of climate-related financial risk in Chincoteague, VA are Coastal Flooding, Hurricane, and Inland Flooding. This area also faces an unusually high intensity for Wildfire compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Chincoteague.

Primary Risks

Coastal Flooding

$7,914,202

Expected Annual Loss for Chincoteague

99.8Score

Very High compared to US average

Chincoteague (OUTLIER)

Minimal Estimated LossMax Estimated Loss

Hurricane

$2,260,625

Expected Annual Loss for Chincoteague

95.8Score

Relatively High compared to US average

Chincoteague

Minimal Estimated LossMax Estimated Loss

Inland Flooding

$814,285

Expected Annual Loss for Chincoteague

40.3Score

Relatively Low compared to US average

Chincoteague

Minimal Estimated LossMax Estimated Loss

City Boundary

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Coastal Flooding

$7,914,202

Score: 99.8

MAJOR DRIVER

Hurricane

$2,260,625

Score: 95.8

MAJOR DRIVER

Inland Flooding

$814,285

Score: 40.3

UNUSUALLY HIGH

Wildfire

$82,995

Score: 91.9

Cold Wave

$71,747

Score: 45.9

Heat Wave

$28,261

Score: 24.4

Earthquake

$27,742

Score: 35.1

Strong Wind

$20,044

Score: 40.7

Ice Storm

$13,015

Score: 62.6

Tornado

$10,081

Score: 15.0

Lightning

$6,287

Score: 22.3

Winter Weather

$1,988

Score: 34.7

Hail

$1,887

Score: 22.8

Landslide

Score: 40.9

Drought

$15

Score: 0.5

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

🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.8

🌀High Investment

Hurricane Mitigation

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

Risk Score: 95.8

🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 91.9

❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 62.6

Sources and Methodology

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 Cities

Berlin Pocomoke City Princess Anne Snow Hill Stockton

Zip Codes in Chincoteague

23336