Climate Risk Summary

Zip Code 23398, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, VA (23398) are Hurricane, Strong Wind, and Inland Flooding. This area also faces an unusually high intensity for Drought and 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

Hurricane

$1,090,833

Expected Annual Loss for Zip Code 23398

97.7Score

Very High compared to US average

23398

Minimal Estimated LossMax Estimated Loss

Strong Wind

$399,291

Expected Annual Loss for Zip Code 23398

99.8Score

Very High compared to US average

23398 (OUTLIER)

Minimal Estimated LossMax Estimated Loss

Inland Flooding

$260,754

Expected Annual Loss for Zip Code 23398

38.0Score

Relatively Low compared to US average

23398

Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Hurricane

$1,090,833

Score: 97.7

MAJOR DRIVER

Strong Wind

$399,291

Score: 99.8

MAJOR DRIVER

Inland Flooding

$260,754

Score: 38.0

UNUSUALLY HIGH

Drought

$183,861

Score: 98.1

Cold Wave

$60,392

Score: 69.2

Tornado

$51,775

Score: 57.4

UNUSUALLY HIGH

Coastal Flooding

$50,557

Score: 94.7

Heat Wave

$28,149

Score: 59.1

Earthquake

$17,994

Score: 51.6

Hail

$17,900

Score: 76.5

Lightning

$8,126

Score: 57.2

Ice Storm

$3,171

Score: 54.3

Wildfire

$1,846

Score: 76.6

Winter Weather

$811

Score: 38.1

Landslide

Score: 51.3

Recommended Mitigation Strategies

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: 97.7

💨Low Investment

Strong Wind Mitigation

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

Risk Score: 99.8

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 38.0

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.1

🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 94.7

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

Nearby Locations

Zip Code 23350 Zip Code 23306 Zip Code 23354 Zip Code 23405 Zip Code 23413 Zip Code 23420