Climate Risk Summary

Lake Wilderness, VA Risk Profile

The primary drivers of climate-related financial risk in Lake Wilderness, VA are Inland Flooding, Heat Wave, and Strong Wind. 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 Lake Wilderness.

Primary Risks

Inland Flooding

$61,770

Expected Annual Loss for Lake Wilderness

1.6Score

Very Low compared to US average

Lake Wilderness
Minimal Estimated LossMax Estimated Loss

Heat Wave

$18,073

Expected Annual Loss for Lake Wilderness

36.4Score

Relatively Low compared to US average

Lake Wilderness
Minimal Estimated LossMax Estimated Loss

Strong Wind

$15,545

Expected Annual Loss for Lake Wilderness

57.7Score

Relatively Moderate compared to US average

Lake Wilderness
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$61,770
Score: 1.6
MAJOR DRIVER
Heat Wave
$18,073
Score: 36.4
MAJOR DRIVER
Strong Wind
$15,545
Score: 57.7
Tornado
$11,899
Score: 29.4
Lightning
$10,454
Score: 57.8
Earthquake
$8,970
Score: 32.0
Hurricane
$6,295
Score: 51.4
Hail
$3,108
Score: 41.8
UNUSUALLY HIGH
Drought
$1,648
Score: 82.3
Winter Weather
$1,213
Score: 41.4
Cold Wave
$464
Score: 16.4
Ice Storm
$403
Score: 6.5
Wildfire
$86
Score: 42.1
Landslide
$1
Score: 42.2

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

💨Low Investment

Strong Wind Mitigation

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

Risk Score: 57.7
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 57.8
🌀High Investment

Hurricane Mitigation

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

Risk Score: 51.4
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.3

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

Nearby Cities

BealetonCamp BarrettCatlettCulpeperFalmouth

Zip Codes in Lake Wilderness

2255122553