Climate Risk Summary

Virginia Beach, VA Risk Profile

The primary drivers of climate-related financial risk in Virginia Beach, VA are Hurricane, Heat Wave, and Inland Flooding.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Virginia Beach.

Primary Risks

Hurricane

$9,843,104

Expected Annual Loss for Virginia Beach

70.5Score

Relatively High compared to US average

Virginia Beach
Minimal Estimated LossMax Estimated Loss

Heat Wave

$5,419,956

Expected Annual Loss for Virginia Beach

53.5Score

Relatively Moderate compared to US average

Virginia Beach
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$5,024,962

Expected Annual Loss for Virginia Beach

1.1Score

Relatively Low compared to US average

Virginia Beach
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$9,843,104
Score: 70.5
MAJOR DRIVER
Heat Wave
$5,419,956
Score: 53.5
MAJOR DRIVER
Inland Flooding
$5,024,962
Score: 1.1
Tornado
$3,493,372
Score: 35.9
Cold Wave
$1,850,290
Score: 28.2
Lightning
$1,538,222
Score: 52.2
Coastal Flooding
$1,417,910
Score: 77.6
Earthquake
$1,072,511
Score: 22.4
Hail
$494,672
Score: 36.2
Strong Wind
$178,659
Score: 11.7
Ice Storm
$95,451
Score: 10.4
Wildfire
$101,677
Score: 45.6
Winter Weather
$63,076
Score: 24.8
Drought
$9,934
Score: 17.7
Landslide
$108
Score: 29.0

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

🌀High Investment

Hurricane Mitigation

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

Risk Score: 70.5
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 53.5
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 52.2
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 77.6

Sources and Methodology

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 Cities

Cape CharlesChesapeakeHamptonNewport NewsNorfolk

Zip Codes in Virginia Beach

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