Climate Risk Summary

Zip Code 98312, Risk Profile

The primary drivers of climate-related financial risk in Bremerton, WA (98312) are Earthquake, Inland Flooding, and Landslide.

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

Earthquake

$15,922,930

Expected Annual Loss for Zip Code 98312

94.0Score

Very High compared to US average

98312
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$3,920,802

Expected Annual Loss for Zip Code 98312

37.2Score

Relatively Moderate compared to US average

98312
Minimal Estimated LossMax Estimated Loss

Landslide

$575,567

Expected Annual Loss for Zip Code 98312

97.2Score

Very High compared to US average

98312 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$15,922,930
Score: 94.0
MAJOR DRIVER
Inland Flooding
$3,920,802
Score: 37.2
MAJOR DRIVER
Landslide
$575,567
Score: 97.2
Heat Wave
$439,816
Score: 59.1
Coastal Flooding
$375,528
Score: 57.3
Tornado
$50,774
Score: 15.0
Lightning
$38,351
Score: 25.8
Winter Weather
$13,751
Score: 40.7
Ice Storm
$11,956
Score: 19.3
Strong Wind
$9,964
Score: 10.5
Wildfire
$3,233
Score: 50.4
Hail
$1,775
Score: 5.5

Recommended Mitigation Strategies

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

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 94.0
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 37.2
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 97.2

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

Nearby Locations

Zip Code 98367Zip Code 98380Zip Code 98528Zip Code 98383Zip Code 98366Zip Code 98311