Climate Risk Summary

Zip Code 23452, Risk Profile

The primary drivers of climate-related financial risk in Virginia Beach, VA (23452) are Hurricane, Heat Wave, and Inland Flooding. This area also faces an unusually high intensity for Coastal Flooding 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

Hurricane

$1,146,564

Expected Annual Loss for Zip Code 23452

66.4Score

Relatively High compared to US average

23452
Minimal Estimated LossMax Estimated Loss

Heat Wave

$697,726

Expected Annual Loss for Zip Code 23452

50.5Score

Relatively Moderate compared to US average

23452
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$557,488

Expected Annual Loss for Zip Code 23452

0.8Score

Relatively Low compared to US average

23452
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$1,146,564
Score: 66.4
MAJOR DRIVER
Heat Wave
$697,726
Score: 50.5
MAJOR DRIVER
Inland Flooding
$557,488
Score: 0.8
Tornado
$427,794
Score: 33.2
UNUSUALLY HIGH
Coastal Flooding
$251,104
Score: 84.5
Cold Wave
$237,490
Score: 27.0
Lightning
$200,063
Score: 49.5
Earthquake
$150,938
Score: 21.7
Hail
$56,926
Score: 30.3
Strong Wind
$22,161
Score: 10.7
Ice Storm
$10,693
Score: 7.3
Winter Weather
$8,043
Score: 23.7
Wildfire
$6,987
Score: 39.4
Drought
$32
Score: 0.9
Landslide
$11
Score: 25.1

Recommended Mitigation Strategies

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: 66.4
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 50.5
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 0.8
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 84.5

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 23454Zip Code 23455Zip Code 23462Zip Code 23453Zip Code 23460Zip Code 23451