Climate Risk Summary

Zip Code 22746, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, VA (22746) are Inland Flooding, Drought, and Strong Wind.

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

$288,825

Expected Annual Loss for Zip Code 22746

38.6Score

Relatively Low compared to US average

22746

Minimal Estimated LossMax Estimated Loss

Drought

$32,056

Expected Annual Loss for Zip Code 22746

93.9Score

Relatively Moderate compared to US average

22746

Minimal Estimated LossMax Estimated Loss

Strong Wind

$29,594

Expected Annual Loss for Zip Code 22746

78.1Score

Relatively Moderate compared to US average

22746

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

$288,825

Score: 38.6

MAJOR DRIVER

Drought

$32,056

Score: 93.9

MAJOR DRIVER

Strong Wind

$29,594

Score: 78.1

Hurricane

$29,171

Score: 67.9

Tornado

$20,037

Score: 38.3

Heat Wave

$18,256

Score: 41.2

Lightning

$16,727

Score: 77.5

Earthquake

$15,528

Score: 46.2

Hail

$7,945

Score: 61.2

Cold Wave

$1,846

Score: 19.0

Winter Weather

$1,532

Score: 49.3

Ice Storm

$1,293

Score: 28.4

Wildfire

$436

Score: 63.6

Landslide

$35

Score: 77.2

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: 38.6

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 93.9

💨Low Investment

Strong Wind Mitigation

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

Risk Score: 78.1

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

Nearby Locations

Zip Code 22737 Zip Code 20106 Zip Code 22716 Zip Code 22701 Zip Code 22724 Zip Code 22713