Climate Risk Summary

Zip Code 24314, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, VA (24314) are Inland Flooding, Cold Wave, and Drought. This area also faces an unusually high intensity for Landslide 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

$930,524

Expected Annual Loss for Zip Code 24314

92.7Score

Relatively High compared to US average

24314
Minimal Estimated LossMax Estimated Loss

Cold Wave

$421,767

Expected Annual Loss for Zip Code 24314

98.2Score

Very High compared to US average

24314
Minimal Estimated LossMax Estimated Loss

Drought

$52,519

Expected Annual Loss for Zip Code 24314

95.7Score

Relatively Moderate compared to US average

24314
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
$930,524
Score: 92.7
MAJOR DRIVER
Cold Wave
$421,767
Score: 98.2
MAJOR DRIVER
Drought
$52,519
Score: 95.7
Strong Wind
$16,935
Score: 68.7
Earthquake
$15,663
Score: 50.2
Lightning
$6,930
Score: 54.5
UNUSUALLY HIGH
Landslide
$6,721
Score: 98.1
Hurricane
$5,186
Score: 52.2
Tornado
$4,898
Score: 21.8
Hail
$4,005
Score: 51.7
Winter Weather
$2,680
Score: 66.8
Ice Storm
$894
Score: 23.6
Wildfire
$615
Score: 68.6
Avalanche
$556
Score: 46.8

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: 92.7
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.2
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 95.7
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 98.1

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 24366Zip Code 24315Zip Code 24605Zip Code 24701Zip Code 24651Zip Code 24630