Climate Risk Summary

Zip Code 22827, Risk Profile

The primary drivers of climate-related financial risk in Elkton, VA (22827) are Inland Flooding, Hurricane, and Strong Wind. This area also faces an unusually high intensity for Drought and Landslide compared to national averages.

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

$4,506,728

Expected Annual Loss for Zip Code 22827

80.6Score

Relatively High compared to US average

22827
Minimal Estimated LossMax Estimated Loss

Hurricane

$397,007

Expected Annual Loss for Zip Code 22827

78.5Score

Relatively Moderate compared to US average

22827
Minimal Estimated LossMax Estimated Loss

Strong Wind

$166,531

Expected Annual Loss for Zip Code 22827

76.6Score

Relatively High compared to US average

22827
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
$4,506,728
Score: 80.6
MAJOR DRIVER
Hurricane
$397,007
Score: 78.5
MAJOR DRIVER
Strong Wind
$166,531
Score: 76.6
Heat Wave
$140,481
Score: 51.5
Earthquake
$115,442
Score: 51.2
UNUSUALLY HIGH
Drought
$103,108
Score: 90.1
Lightning
$94,228
Score: 76.7
Cold Wave
$87,887
Score: 34.5
Tornado
$77,739
Score: 32.9
Hail
$54,009
Score: 64.2
Winter Weather
$14,513
Score: 61.4
Wildfire
$10,125
Score: 74.8
Ice Storm
$6,434
Score: 25.4
UNUSUALLY HIGH
Landslide
$3,488
Score: 83.2

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: 80.6
🌀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: 76.6
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.1
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 83.2

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 22935Zip Code 22849Zip Code 22973Zip Code 22840Zip Code 22940Zip Code 22932