Climate Risk Summary

Norfolk, VA Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$16,748,172

Expected Annual Loss for Norfolk

14.6Score

Relatively High compared to US average

Norfolk
Minimal Estimated LossMax Estimated Loss

Hurricane

$13,498,701

Expected Annual Loss for Norfolk

81.6Score

Relatively High compared to US average

Norfolk
Minimal Estimated LossMax Estimated Loss

Tornado

$3,059,305

Expected Annual Loss for Norfolk

43.1Score

Relatively Moderate compared to US average

Norfolk
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$16,748,172
Score: 14.6
MAJOR DRIVER
Hurricane
$13,498,701
Score: 81.6
MAJOR DRIVER
Tornado
$3,059,305
Score: 43.1
Heat Wave
$2,729,106
Score: 50.0
UNUSUALLY HIGH
Coastal Flooding
$3,016,736
Score: 82.3
Cold Wave
$2,198,896
Score: 40.1
Earthquake
$1,419,703
Score: 38.3
Lightning
$1,081,142
Score: 59.0
Strong Wind
$1,035,480
Score: 46.2
Hail
$542,043
Score: 50.0
Ice Storm
$220,286
Score: 33.7
Winter Weather
$131,970
Score: 43.9
Wildfire
$17,660
Score: 39.9
Landslide
$39
Score: 26.9

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

🌀High Investment

Hurricane Mitigation

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

Risk Score: 81.6
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.3
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 59.0

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

Bethel ManorChesapeakeHamptonNewport NewsPoquoson

Zip Codes in Norfolk

2350223503235042350523507235082350923510235112351323517235182352323551