Climate Risk Summary

Gwynn, VA Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Coastal Flooding

$146,344

Expected Annual Loss for Gwynn

98.4Score

Relatively High compared to US average

Gwynn

Minimal Estimated LossMax Estimated Loss

Inland Flooding

$105,949

Expected Annual Loss for Gwynn

15.9Score

Relatively Low compared to US average

Gwynn

Minimal Estimated LossMax Estimated Loss

Hurricane

$41,834

Expected Annual Loss for Gwynn

78.5Score

Relatively Low compared to US average

Gwynn

Minimal Estimated LossMax Estimated Loss

City Boundary

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Coastal Flooding

$146,344

Score: 98.4

MAJOR DRIVER

Inland Flooding

$105,949

Score: 15.9

MAJOR DRIVER

Hurricane

$41,834

Score: 78.5

Strong Wind

$18,758

Score: 78.0

Tornado

$13,199

Score: 38.9

Cold Wave

$9,798

Score: 34.7

Heat Wave

$7,182

Score: 26.5

Earthquake

$6,374

Score: 36.8

UNUSUALLY HIGH

Drought

$5,261

Score: 89.0

Ice Storm

$2,642

Score: 59.4

Hail

$2,288

Score: 46.7

Lightning

$2,124

Score: 30.1

Wildfire

$1,430

Score: 77.3

Winter Weather

$275

Score: 27.6

Landslide

Score: 19.3

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: 98.4

🌀High Investment

Hurricane Mitigation

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

Risk Score: 78.5

💨Low Investment

Strong Wind Mitigation

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

Risk Score: 78.0

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.0

❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 59.4

🔥Low Investment

Wildfire Mitigation

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

Risk Score: 77.3

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

Cape Charles Deltaville Gloucester Courthouse Gloucester Point Hampton

Zip Codes in Gwynn

23066