Climate Risk Summary

Zip Code 24572, Risk Profile

The primary drivers of climate-related financial risk in Madison Heights, VA (24572) are Inland Flooding, Strong Wind, 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

$1,396,539

Expected Annual Loss for Zip Code 24572

18.7Score

Relatively Moderate compared to US average

24572
Minimal Estimated LossMax Estimated Loss

Strong Wind

$278,009

Expected Annual Loss for Zip Code 24572

79.1Score

Relatively High compared to US average

24572
Minimal Estimated LossMax Estimated Loss

Hurricane

$157,986

Expected Annual Loss for Zip Code 24572

61.7Score

Relatively Low compared to US average

24572
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
$1,396,539
Score: 18.7
MAJOR DRIVER
Strong Wind
$278,009
Score: 79.1
MAJOR DRIVER
Hurricane
$157,986
Score: 61.7
Earthquake
$153,811
Score: 48.7
Tornado
$123,825
Score: 33.5
Lightning
$102,564
Score: 66.8
Cold Wave
$52,885
Score: 24.8
Heat Wave
$30,157
Score: 7.8
Hail
$19,624
Score: 39.4
Winter Weather
$14,453
Score: 52.0
Ice Storm
$13,645
Score: 33.1
Drought
$12,072
Score: 23.3
Wildfire
$6,640
Score: 63.9
Landslide
$127
Score: 54.1

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: 18.7
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 79.1
🌀High Investment

Hurricane Mitigation

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

Risk Score: 61.7

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 24574Zip Code 24521Zip Code 24504Zip Code 24503Zip Code 24501Zip Code 24538