Climate Risk Summary

Zip Code 23140, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, VA (23140) are Inland Flooding, Drought, and Hurricane. This area also faces an unusually high intensity for Coastal Flooding 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

$763,875

Expected Annual Loss for Zip Code 23140

59.1Score

Relatively Moderate compared to US average

23140
Minimal Estimated LossMax Estimated Loss

Drought

$387,415

Expected Annual Loss for Zip Code 23140

96.8Score

Relatively High compared to US average

23140
Minimal Estimated LossMax Estimated Loss

Hurricane

$124,349

Expected Annual Loss for Zip Code 23140

79.0Score

Relatively Moderate compared to US average

23140
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
$763,875
Score: 59.1
MAJOR DRIVER
Drought
$387,415
Score: 96.8
MAJOR DRIVER
Hurricane
$124,349
Score: 79.0
Tornado
$89,149
Score: 55.0
UNUSUALLY HIGH
Coastal Flooding
$59,530
Score: 89.2
Strong Wind
$47,967
Score: 72.6
Earthquake
$40,525
Score: 54.7
Heat Wave
$39,803
Score: 47.6
Lightning
$15,520
Score: 56.3
Cold Wave
$14,206
Score: 24.9
Hail
$12,141
Score: 54.7
Ice Storm
$10,011
Score: 67.6
Winter Weather
$5,508
Score: 65.7
Wildfire
$3,697
Score: 77.0
Landslide
$169
Score: 79.6

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: 59.1
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 96.8
🌀High Investment

Hurricane Mitigation

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

Risk Score: 79.0
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.2

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 23030Zip Code 23124Zip Code 23147Zip Code 23089Zip Code 23141Zip Code 23231