Climate Risk Summary

Zip Code 23882, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, VA (23882) are Inland Flooding, Drought, and Hurricane.

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

$628,087

Expected Annual Loss for Zip Code 23882

49.8Score

Relatively Moderate compared to US average

23882
Minimal Estimated LossMax Estimated Loss

Drought

$550,100

Expected Annual Loss for Zip Code 23882

98.7Score

Relatively High compared to US average

23882
Minimal Estimated LossMax Estimated Loss

Hurricane

$246,791

Expected Annual Loss for Zip Code 23882

84.2Score

Relatively Moderate compared to US average

23882
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
$628,087
Score: 49.8
MAJOR DRIVER
Drought
$550,100
Score: 98.7
MAJOR DRIVER
Hurricane
$246,791
Score: 84.2
Tornado
$63,954
Score: 48.4
Earthquake
$44,677
Score: 57.2
Strong Wind
$43,490
Score: 73.2
Cold Wave
$40,643
Score: 42.3
Heat Wave
$37,368
Score: 45.6
Hail
$29,675
Score: 74.0
Lightning
$10,632
Score: 44.5
Winter Weather
$8,445
Score: 76.0
Ice Storm
$7,195
Score: 58.0
Wildfire
$2,017
Score: 71.1
Landslide
$12
Score: 61.6

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: 49.8
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.7
🌀High Investment

Hurricane Mitigation

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

Risk Score: 84.2

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

Nearby Locations

Zip Code 23830Zip Code 23867Zip Code 23897Zip Code 23841Zip Code 23890Zip Code 23805
23882 Climate Risk Report | Unincorporated, VA