Climate Risk Summary

Zip Code 23915, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, VA (23915) are Drought, Inland Flooding, 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

Drought

$259,083

Expected Annual Loss for Zip Code 23915

99.3Score

Relatively High compared to US average

23915

Minimal Estimated LossMax Estimated Loss

Inland Flooding

$123,909

Expected Annual Loss for Zip Code 23915

36.5Score

Relatively Low compared to US average

23915

Minimal Estimated LossMax Estimated Loss

Hurricane

$68,511

Expected Annual Loss for Zip Code 23915

85.0Score

Relatively Moderate compared to US average

23915

Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Drought

$259,083

Score: 99.3

MAJOR DRIVER

Inland Flooding

$123,909

Score: 36.5

MAJOR DRIVER

Hurricane

$68,511

Score: 85.0

Cold Wave

$12,871

Score: 47.9

Tornado

$9,641

Score: 39.5

Heat Wave

$9,209

Score: 45.4

Strong Wind

$7,580

Score: 64.2

Earthquake

$6,548

Score: 44.8

Hail

$6,061

Score: 70.6

Lightning

$3,598

Score: 53.9

Winter Weather

$1,883

Score: 73.6

Ice Storm

$1,136

Score: 45.8

Wildfire

$198

Score: 63.7

Landslide

$16

Score: 77.4

Recommended Mitigation Strategies

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

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.3

💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 36.5

🌀High Investment

Hurricane Mitigation

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

Risk Score: 85.0

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 23970 Zip Code 23917 Zip Code 23924 Zip Code 23919 Zip Code 23944 Zip Code 23974