Climate Risk Summary

Zip Code 23455, Risk Profile

The primary drivers of climate-related financial risk in Virginia Beach, VA (23455) are Hurricane, Heat Wave, and Inland Flooding.

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

$904,593

Expected Annual Loss for Zip Code 23455

70.9Score

Relatively Moderate compared to US average

23455
Minimal Estimated LossMax Estimated Loss

Heat Wave

$582,937

Expected Annual Loss for Zip Code 23455

55.5Score

Relatively Moderate compared to US average

23455
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$367,973

Expected Annual Loss for Zip Code 23455

1.2Score

Very Low compared to US average

23455
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$904,593
Score: 70.9
MAJOR DRIVER
Heat Wave
$582,937
Score: 55.5
MAJOR DRIVER
Inland Flooding
$367,973
Score: 1.2
Tornado
$325,352
Score: 35.2
Cold Wave
$198,060
Score: 28.7
Lightning
$166,100
Score: 54.1
Earthquake
$113,523
Score: 25.0
Coastal Flooding
$50,052
Score: 77.5
Hail
$42,946
Score: 36.1
Strong Wind
$17,350
Score: 11.7
Winter Weather
$6,689
Score: 25.3
Ice Storm
$6,231
Score: 6.4
Wildfire
$2,502
Score: 44.3
Landslide
$9
Score: 32.1
Drought
$4
Score: 2.6

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: 70.9
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 55.5
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 1.2

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 23459Zip Code 23462Zip Code 23452Zip Code 23518Zip Code 23502Zip Code 23451