Climate Risk Summary

Zip Code 23901, Risk Profile

The primary drivers of climate-related financial risk in Farmville, VA (23901) are Inland Flooding, Drought, and Hurricane.

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

$1,444,326

Expected Annual Loss for Zip Code 23901

50.0Score

Relatively Moderate compared to US average

23901
Minimal Estimated LossMax Estimated Loss

Drought

$1,389,162

Expected Annual Loss for Zip Code 23901

97.1Score

Relatively High compared to US average

23901
Minimal Estimated LossMax Estimated Loss

Hurricane

$537,073

Expected Annual Loss for Zip Code 23901

83.8Score

Relatively Moderate compared to US average

23901
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
$1,444,326
Score: 50.0
MAJOR DRIVER
Drought
$1,389,162
Score: 97.1
MAJOR DRIVER
Hurricane
$537,073
Score: 83.8
Earthquake
$337,599
Score: 75.1
Tornado
$164,494
Score: 51.2
Strong Wind
$116,281
Score: 77.1
Cold Wave
$93,946
Score: 42.9
Heat Wave
$68,177
Score: 39.0
Lightning
$57,868
Score: 72.5
Hail
$29,895
Score: 59.2
Ice Storm
$18,719
Score: 59.7
Winter Weather
$12,263
Score: 65.6
Wildfire
$1,247
Score: 53.6
Landslide
$104
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: 50.0
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 97.1
🌀High Investment

Hurricane Mitigation

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

Risk Score: 83.8

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 23909Zip Code 23960Zip Code 23966Zip Code 23936Zip Code 23958Zip Code 23943
23901 Climate Risk Report | Farmville, VA