Climate Risk Summary

Zip Code 20166, Risk Profile

The primary drivers of climate-related financial risk in Arcola, VA (20166) are Inland Flooding, Tornado, 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

$1,412,261

Expected Annual Loss for Zip Code 20166

22.2Score

Relatively Moderate compared to US average

20166

Minimal Estimated LossMax Estimated Loss

Tornado

$280,384

Expected Annual Loss for Zip Code 20166

47.0Score

Relatively Moderate compared to US average

20166

Minimal Estimated LossMax Estimated Loss

Hurricane

$219,980

Expected Annual Loss for Zip Code 20166

65.0Score

Relatively Low compared to US average

20166

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

$1,412,261

Score: 22.2

MAJOR DRIVER

Tornado

$280,384

Score: 47.0

MAJOR DRIVER

Hurricane

$219,980

Score: 65.0

Earthquake

$213,113

Score: 52.3

Heat Wave

$206,082

Score: 54.9

Strong Wind

$124,384

Score: 61.7

Hail

$87,767

Score: 62.9

Lightning

$67,499

Score: 57.3

Winter Weather

$28,824

Score: 70.1

Drought

$27,148

Score: 34.7

Cold Wave

$21,306

Score: 20.1

Ice Storm

$2,543

Score: 6.1

Wildfire

$204

Score: 30.1

Landslide

Score: 33.7

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: 22.2

🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 47.0

🌀High Investment

Hurricane Mitigation

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

Risk Score: 65.0

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 20148 Zip Code 20147 Zip Code 20151 Zip Code 20171 Zip Code 20164 Zip Code 20152