Climate Risk Summary

Zip Code 24066, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, VA (24066) are Inland Flooding, Cold Wave, and Strong Wind. This area also faces an unusually high intensity for Landslide and Drought 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

$1,917,198

Expected Annual Loss for Zip Code 24066

86.8Score

Relatively High compared to US average

24066
Minimal Estimated LossMax Estimated Loss

Cold Wave

$119,131

Expected Annual Loss for Zip Code 24066

63.2Score

Relatively Moderate compared to US average

24066
Minimal Estimated LossMax Estimated Loss

Strong Wind

$78,252

Expected Annual Loss for Zip Code 24066

81.4Score

Relatively Moderate compared to US average

24066
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
$1,917,198
Score: 86.8
MAJOR DRIVER
Cold Wave
$119,131
Score: 63.2
MAJOR DRIVER
Strong Wind
$78,252
Score: 81.4
Lightning
$31,915
Score: 72.2
Hurricane
$24,333
Score: 56.0
UNUSUALLY HIGH
Landslide
$21,906
Score: 98.3
Earthquake
$19,717
Score: 34.1
Tornado
$16,313
Score: 24.8
UNUSUALLY HIGH
Drought
$12,150
Score: 87.3
Winter Weather
$7,510
Score: 67.8
Hail
$6,125
Score: 41.8
Heat Wave
$3,755
Score: 3.7
Avalanche
$3,401
Score: 55.2
Ice Storm
$2,646
Score: 25.9
Wildfire
$2,032
Score: 70.1

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: 86.8
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 63.2
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 81.4
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 98.3
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 87.3

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 24122Zip Code 24085Zip Code 24523Zip Code 24578Zip Code 24450Zip Code 24579